The tenants' policy provides coverage for contents, with 10% of the coverage C limit for building improvements or installments made at the insured's expense. (Photo: Shutterstock) The tenants’ policy provides coverage for contents, with 10% of the coverage C limit for building improvements or installments made at the insured’s expense. (Photo: Shutterstock)

Analysis brought to you by FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to learn how to find answers to YOUR coverage questions — click here!

Question: I have a client who is a condo tenant, and has renter’s insurance. The client has put in new curtains, wood flooring over the existing tile in one room, and wall-to-wall carpet in another room.

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