Landlord property insurance typically does not cover tenant-related damages, as its primary focus is on protecting the property itself from risks like fire, theft, or natural disasters. However, certain incidents caused by tenants, such as accidental damage, may be covered under a landlord’s insurance if specific add-ons or endorsements are included, such as accidental damage coverage. In cases where a tenant’s actions cause harm to the property, a landlord may need to file a claim through their tenant’s renter’s insurance, assuming the tenant has coverage for such incidents. If the damage is intentional or caused by neglect, the landlord might need to pursue legal action or use a security deposit to cover the costs. It’s essential for landlords to review their insurance policy and discuss options with their provider to ensure adequate protection for tenant-related damages.