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Jason Said:

Structural damage covered by insurance can we claim the excess from our tenants?

We Answered:

I'd expect that not only are you entitled to sue for this but there's a good chance that your insurance company may sue them for the amount that they paid out, if it's a clear cut case of them being responsible. You should also consider what is in their contract and what the relevent laws are. It may also be grounds for an eviction.

Tammy Said:

Does homeowner's insurance cover property belonging to tenants?

We Answered:

No. The Tenants need to purchase Renter's Insurance to cover their personal property.

Shirley Said:

Should my condo insurance cover the damages to my tenant?

We Answered:

No not at all. Your tenants insurance covers their property, your insurance covers yours.

Your tenant is responsible for their own property, it is not possible for them to hold you or your insurance company accountable.

Francisco Said:

What does tenant insurance cover?

We Answered:

Tenent's, or renter's, insurance covers all of you personal belongings up to the policy limits and subject to certain exclusions. It give you theft coverage both on and off your premises. It covers you for certain types of fraud.

The policy also provides you with liability coverage and contains a "guest medical" provision. It will also pay for loss of use in case due to a covered loss, you home is unlivable and you have to live temporarily someplace else.