What Is Not Covered by Renters Insurance?
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What Are Some Things Renters Insurance Won’t Cover?

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what isnt covered under renters insurance


Moving is never easy. In fact, finding the perfect place is usually easier than making the actual move. But when you do move, the first thing you should do upon renting a place to live is invest in renters insurance. Renters insurance is similar to homeowners insurance because it protects you if an injury occurs in your home or something of value is broken or stolen. However, despite how essential renters insurance is, it doesn’t cover everything. Continue reading to learn what renters insurance doesn’t cover.

Natural Disasters

Natural disasters can happen at any time, so it’s important to be prepared. Should anything be lost or damaged because of a natural disaster, you won’t be covered by renters insurance. However, this doesn’t mean you can’t protect yourself. There are separate insurance policies you can purchase, such as flood insurance. You can also add a rider on your current renters policy.

Items that Aren’t Documented

One thing many people tend to overlook is the fact that renters insurance doesn’t cover items that haven’t been documented. Without any proof you owned what was stolen or destroyed, there’s really nothing the insurance company can do. In fact, whenever you file an insurance claim, you’re obligated to provide verification with receipts. To keep yourself covered, don’t throw out any of your receipts, and take pictures of your belongings.


If there’s one thing every renter dreads, it’s an infestation of pests. Pests like to make themselves welcome in your home, which can spell disaster for your belongings. And if having your personal things destroyed by insects or rodents isn’t bad enough, your renters insurance won’t be able to help you, nor will it cover the cost of an exterminator.

Damage to the Property

Renters insurance covers damage to your personal belongings but not damage to the property or building. If these are damaged, it’s up to your landlord’s insurance to fix it. Make sure to report any mishaps and damages to your landlord immediately. Also, note whether your policy will cover damages caused by another person in your home or by someone else living in the building.

Similar to homeowners insurance, renters insurance coverage will vary. And with so many variables, such as where you live and even the size of your apartment, it’s always smart to shop for the best coverage. Before making a final decision, compare at least two or three companies. While some companies offer discounts for bundling different types of coverage, others don’t. Make sure you understand both the minimum and maximum levels of coverage prior to deciding. 

If you’re renting, make sure to purchase renters insurance that covers loss or damage to your belongings and protects you in case of liability claims that stem from injuries in your home. For affordable, reliable renters insurance as well as other types of coverage, including motorcycle and car insurance Chula Vista, trust the experienced agents at Altra Insurance Services. Call us today at 619-474-6666 to request a free quote for any of your insurance needs.

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