Water Damage in a Rental: Who Pays, the Landlord or the Tenant?

If a pipe bursts or a fire hits a rental, the landlord handles the claim for the building. That means the walls, floors, cabinets, fixtures and the cost to dry it out and rebuild. Your landlord's policy covers their property.

What the landlord's policy doesn't cover

Your stuff. Furniture, clothes, electronics and anything else you own usually isn't covered by the landlord's insurance. If the unit isn't livable while it's repaired, the cost of a hotel or temporary place generally isn't on them either.

Why renters insurance matters

Renters insurance covers your belongings and often your temporary living costs. It's usually inexpensive, and after a water or fire loss it's the difference between replacing your things and starting over out of pocket. If you rent and don't have it, get a quote this week.

What to do if it happens

  • Tell your landlord or property manager right away, in writing
  • Photograph your damaged belongings before you throw anything out
  • Call your renters insurance company

For landlords and property managers

We work with property managers across the north metro on water and fire losses in occupied units: fast response, photos and moisture logs for the file, and the full rebuild. See our property management services and insurance claims.

Call or text Ben: (612) 991-5525 any time, day or night.

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