Your insured phones and tells you that while visiting a friend, he/she has accidentally burnt a small hole in the friend's oriental rug. The insured wishes to know if the cost of repairing the rug is covered under the Tenants Comprehensive policy. What would be your response? No, the friend must claim under his/her own policy for the repair cost. No, not unless the friend sues the insured, in which case it is covered. Yes, coverage under the Voluntary Property Damage section would apply. Yes, the Voluntary Property Damage section covers the damage subject to the policy. deductible.

Your insured phones and tells you that while visiting a friend, he/she has accidentally burnt a small hole in the friend's oriental rug. The insured wishes to know if the cost of repairing the rug is covered under the Tenants Comprehensive policy. What would be your response? No, the friend must claim under his/her own policy for the repair cost. No, not unless the friend sues the insured, in which case it is covered. Yes, coverage under the Voluntary Property Damage section would apply. Yes, the Voluntary Property Damage section covers the damage subject to the policy. deductible.