There was a fire in the rented place. Can I make a claim under my home insurance?

[harshG]

I have shifted temporarily to a rented house as my insured home is being repaired. There was  a fire in the rented place. Can I make a claim under my home insurance?

[rajeshsharma]

The insurance policy covers only the original premises. So your claim will not be entertained.

[Sumitrao]

Your home insurance is for the home it insures, not for where you stay. The rented place might have its own insurance and that will cover the fire damages

[N.Kumari · Accepted solution]

Hi

Home insurance is a type of property insurance that provides coverage to the policyholder's house not to the rented house.