Homeowners insurance typically does not cover damage caused by renters. However, there are some exceptions and additional coverage options that may provide protection in certain situations. Landlord insurance is specifically designed to protect rental properties and may cover damage caused by tenants. It's important for homeowners who rent out their property to consider purchasing landlord insurance to ensure they have adequate coverage. Additionally, rental property insurance is another option for protecting against damage caused by renters. This type of insurance is tailored to the specific needs of landlords and can provide coverage for property damage, loss of rental income, and liability protection. It's advisable for homeowners who rent out their property to consult with an insurance agent to discuss the best coverage options for their specific situation. Understanding the differences between homeowners insurance, landlord insurance, and rental property insurance is crucial for ensuring comprehensive protection in the event of damage caused by renters.