![]() Renters insurance covers you for the parts of the rented property that fall under your responsibility. Instead, their landlord insurance will cover that.īut if the furnishings and appliances within your apartment belong to you, your insurer will cover the damages. If someone breaks in and damages the white fur carpet, your renters policy won’t cover that damage. Suppose you rent a furnished apartment, and everything in it belongs to your landlord. Your claim must meet three requirements for the damage to fall under vandalism: Vandalism Requirement #1: It Must Be Your Propertyįirst, the property vandalized must be personal. Goodcover has vandalism as a “named peril” within its renters insurance policies, which means it’s covered. In fact, we don’t recommend sharing a renters insurance policy with anyone who isn’t a legal spouse. Would their insurance provider cover that damage? No, because technically, it’s his policy too. Suppose he shared a renters’ insurance policy with her. For example, in the TikTok video we referenced earlier, a woman threw her boyfriend’s items – including a PS5, a flat-screen TV, and a mirror – out of their apartment window after his alleged cheating. What about your roommate or significant other? Can they vandalize your property?
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