Usually, it doesn't.
Homeowners insurance covers the structure of the buildings, other structures, and the owner’s personal belongings on the property. It also protects residents of the home for personal liability – with one big exception.
Homeowners insurance doesn't extend those benefits to temporary occupants. That's why renters need their own insurance to cover their personal property and liability.
If you're a landlord, make it a condition of the lease that your tenants have renters insurance – it can save you a lot of arguments and headaches if disaster strikes.
A standard home insurance policy won't properly protect landlords for the unique risks they face when renting out their property – specifically the potential liability if a tenant or their guests are injured on your property.
If you rent out your property, inform your insurance provider. Kin offers policies specifically designed to protect a landlord's property.
