Even if the renter has taken out a security warranty option, he/she is still liable for the deposit and repairs in the event of damage.
In the event of a claim, the renter will have to make a claim to their deposit insurance
.If the damage is covered by the insurance, the renter can be compensated by sending the paid invoice for the repairs in his name.
The fact that a renter has taken out this option does not change anything for the owner.