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Content: Can landlord use home insurance claim if tenants wreck property? If the tenant damages the property he is liable for such
damages. The Landlord may or may not have his own insurance for
this purpose but the tenant is liable. If the Tenant has his own
insurance (Renter's Insurance) then the Tenant may file a claim and
damages will be covered by that insurance. Landlord Tenant Law Lawyer: Helping Both Renters and Landlords? Landlord and tenant law is complicated and confusing to most individuals. These laws outline a landlord's rights and the rights of the tenant, in order to protect both parties. Landlord and tenant law regulates everything from eviction, to tenant privacy rights, to the duties of both landlord and tenant. Laws regarding residential renting vary by region, but are commonly based off of the Uniform Residential Landlord and Tenant Act, or URLTA, and/or the Model Residential Landlord Tenant Code.