does renters insurance cover the cost of repairing a ceiling when a toilet gets clogged?

December 2nd, 2010 | by Andrew Taylor |

i am renting a house from a friend and she wants me to get renters insurance because we had a problem with the toilet clogging in the pipes underneath the bathroom floor and down thru the living room ceiling, which now needs repaired. This has happened twice before, but when my my friend/homeowner had been living here, herself…and the problem occured in her master bathroom, which is now mine. So she knew of the problem previously…But can renters insurance cover this kind of damage to someone elses property?

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