Will homeowners insurance cover replacement carpet that your renters ruined?

Homeowners insurance typically does not cover damage caused by tenants to carpets or other personal property. Instead, landlords are encouraged to obtain a separate landlord insurance policy, which may offer coverage for tenant-related damages. It's also advisable for tenants to have renters insurance to protect their belongings and liability. Always check specific policy details and consult with your insurance provider for precise coverage information.