Rented Chairs and Tables
Covered Under Homeowners Policy?

Q

Our insured is considering renting chairs and tables for a social event. We would like to know if there is coverage for damage to the rented property on his premises or at another location. Several adjustors have told us that no coverage applies because “property not covered” excludes coverage for “property rented or held for rental to others off the residence premises.” We think the exclusion applies to property owned by the insured that the insured rents (or holds for rental) to others off the residence premises. May we have your thoughts?

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