I am interested in accidental damage. Can;'t believe my insurance doesn't pay for it. My tenant accidentally damaged a small portion of the lounge carpet (dropped a roast pork on it!) and the insurance said they'd pay if it was malicious damage or if I had damaged it but not the tenant! Eeek....anyway my German Phd students had their own insurance so they managed to replace the whole lounge carpet for me....nice.
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