As a landlord, distinguishing between normal wear and tear and tenant damage is crucial — both for your security deposit and your insurance coverage.
Normal Wear and Tear
This includes fading paint, minor scuffs on walls, carpet wear in high-traffic areas, and aging appliances. These are expected costs of renting and are typically not covered by insurance or deductible from security deposits.
Tenant Damage
This includes holes in walls, broken windows, damaged appliances, stained carpets beyond normal use, and unauthorized modifications. This type of damage may be covered by your rental dwelling insurance.
Insurance Coverage Tips
- Document property condition before and after each tenancy
- Keep thorough records with photos and written descriptions
- Understand your policy's coverage limits for tenant-caused damage
- Consider requiring tenants to carry renter's insurance
Your BlackArrow agent can help ensure your rental dwelling policy provides adequate protection.
