Does Renters Insurance Cover Carpet Damage?

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   David G. Pipes, CLU®, RICP®

   Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

   A renter’s policy pays for damages caused by “named perils.”  This means that if the carpet is damaged by fire, windstorm, lightning of a long list of other potential perils, the company will repair or replace the carpet.  Recovery under a renter’s policy is subject to a deductible.  The deductible is stated in the policy declarations.  If the damage to the carpet is caused by neglect or fair wear and tear, it is not covered.

   Answered on June 13, 2014

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