What Items Are Not Covered by Renters Insurance?

Renters insurance is a great way to cover your personal belongings and provide liability coverage. However, it’s essential to know that standard policies don’t cover everything. Here are some common exclusions to keep in mind.

Natural Disasters

Standard renters insurance usually doesn’t cover damage from natural disasters like earthquakes and floods. If you live in an area where these events are common, you’ll likely need separate policies for full coverage.

Pest Infestations

Damage caused by pests like bed bugs, termites and rodents is generally not covered by renters insurance. These issues are considered preventable maintenance problems, which means landlords are usually responsible for handling them.

High-value Items

Renters insurance does cover personal belongings, but it often has limits for high-value items like jewelry, designer handbags or rare collectibles. If you own expensive items, you may need extra coverage to cover them fully.

Motor Vehicles

Renters insurance does not cover damage to or theft of motor vehicles, including cars, motorcycles and boats. Vehicle owners must rely on auto insurance policies for protection.

Intentional Acts

Renters insurance does not cover damage resulting from intentional acts, especially if the policyholder is found responsible. This includes intentional fires and other deliberate damage.

Choose a Reliable Insurance Provider Near You

Navigating the world of insurance can be overwhelming, but Fast Insurance is here to make it easier. Whether you need auto, home or renters insurance in Apache Junction, Arizona, our team is dedicated to finding the right policy to fit your needs.

Contact us today to discover how our insurance solutions address the potential risks you may face or request a free quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.