Our insured, who rents one of three units in a landlord-occupied dwelling, has an AAIS tenant homeowners policy. While playing, her children (all of whom are under 10) damaged walk lights that the landlord had placed adjacent to the walk leading to the dwelling.
When we submitted the claim to the company, the claim was denied based on the following policy wording under damage to property of others: “We do not pay for damage to property owned by, rented to or leased to any insured…” The following exclusion under the liability section was also cited: “this coverage does not apply to liability…for damage to property rented to, occupied by, used by or in the care of an insured.”
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