Homeowners insurance typically does not cover damage caused by renters. Homeowners insurance is designed to protect the homeowner's property and belongings, not the property of tenants. However, there are some situations where homeowners insurance may provide limited coverage for damage caused by renters. For example, if the damage is accidental and caused by the renter's negligence, the homeowner's insurance policy may cover the cost of repairs. It is important to note that this coverage is usually limited and may have certain exclusions. To get a definitive answer, it is best to review the specific terms and conditions of your homeowners insurance policy or consult with your insurance provider. They will be able to provide you with the most accurate information regarding coverage for damage caused by renters.