{"id":479,"date":"2017-07-26T12:00:20","date_gmt":"2017-07-26T16:00:20","guid":{"rendered":"https:\/\/www.protectiveagency.com\/blog\/?p=479"},"modified":"2024-02-26T02:23:49","modified_gmt":"2024-02-26T06:23:49","slug":"renters-insurance-not-cover","status":"publish","type":"post","link":"https:\/\/www.protectiveagency.com\/blog\/renters-insurance-not-cover\/","title":{"rendered":"What Does Renters Insurance Not Cover?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Diving into the details of insurance policies isn\u2019t for the faint of heart. While you may have renters\u2019 insurance, most don\u2019t fully understand what their policy does cover and what it doesn\u2019t. Luckily, that\u2019s where we come in.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">After looking into the details of a plethora of renters\u2019 insurance policies, we\u2019ve noted what most policies will cover and what you won\u2019t find coverage for in a typical plan. So, let\u2019s take a closer look at renters\u2019 insurance and truly find out what you\u2019re covered for. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>What is Renters Insurance?<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">First and foremost, we must understand what renters\u2019 insurance is before going any further. Renters insurance is a common coverage that people renting apartments and homes take out. Many landlords even demand a renter have such coverage.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The policies help protect against personal property damages and losses while renting, along with providing liability coverage to the policyholder in the case of an accident. The coverage can also pay your expenses when the property you\u2019re renting becomes uninhabitable for whatever reason. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Most insurance agents agree that renters\u2019 insurance is a mandatory coverage for individuals who rent their homes, as most people have more personal property than they think. Certain statistics state that the average person who rents a home has over $35,000 in belongings that wouldn\u2019t be covered under other insurance policies in the event of damages. That\u2019s where renters\u2019 insurance proves valuable for many. \u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Common Coverage in Renters Policies<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Before we dive into what is not covered by these policies, it\u2019s important to look at common coverage options in renters\u2019 insurance policies. Here are a few things that tend to be included in these types of plans:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Fire damages:<\/b><span style=\"font-weight: 400;\"> If anything in the rented property is damaged due to fire, your policy will kick in and cover you.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Theft:<\/b><span style=\"font-weight: 400;\"> If any of your personal property is stolen, the policy will offer some coverage.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Vandalism: <\/b><span style=\"font-weight: 400;\">Renters insurance also covers costs related to vandalism.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Medical Payments to others:<\/b><span style=\"font-weight: 400;\"> If you cause injury to another person in the unit, your renters\u2019 policy will work for\u00a0 you &#8211; but only if you get medical payments added to the coverage. <\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Property damage liability<\/b><span style=\"font-weight: 400;\">: If you cause damage to another person\u2019s property, your renters insurance will typically kick in. <\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Personal property policy:<\/b><span style=\"font-weight: 400;\"> Things like smartphones, laptops, and bikes can all be covered by a renters\u2019 policy &#8211; no matter where the damage occurs. <\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Uninhabitable costs:<\/b><span style=\"font-weight: 400;\"> If you\u2019re forced to stay at another location because the place you\u2019re renting becomes uninhabitable, then the policy will pick up costs, even indirect ones. <\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This is just a small sampling of what a renters\u2019 insurance policy can or will cover. However, there are things or clauses that may confuse individuals within these policies. Not everything is covered. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>What Does Renter Insurance Not Cover?<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">While renters\u2019 insurance offers a lot of coverage, it doesn\u2019t cover everything. You need to know the ins and outs of any policy before you jump in. For example, here are a few things that most basic renters\u2019 insurance plans would never cover:<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>High Priced Items<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">All basic renters\u2019 insurance policies have limits on how much coverage you\u2019ll receive. No high-priced item will ever fall into these limits. Things like expensive jewelry, collectibles, art, and high-end electronics won\u2019t be covered by a basic renters\u2019 plan. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you want to get coverage for your high-priced items, then you\u2019ll need to get a separate insurance policy for the valuables. This is called scheduling items. To do so, make sure you get each item appraised by a professional before you get the policy. Going by your own estimations is a surefire way to pay too much or too little for such policy.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Natural Disasters<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">While renters\u2019 insurance offers fairly extensive coverage, there are still a few gaps. Mainly, you won\u2019t be covered if a natural disaster strikes your home. Renters insurance does not guarantee against any type of natural disaster. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s look at some examples. If you live in Florida, you may want hurricane coverage to go along with your renters\u2019 policy. If you live in California, earthquake coverage may be important. Things like wildfires, sinkholes, or tornados are not covered, either. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Damages You Create<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you throw a huge party for the 4th of July and someone ends up with a serious injury, you could be personally on the hook for medical expenses and\/or legal fees. Renters insurance does not cover damages you created. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">However, you can add an umbrella liability policy to your auto insurance policy, if your liability limits are at least $250,000\/$500,000, or a combined single limit of at least $300,000. This umbrella policy will go nicely with renters\u2019 insurance, if you feel you need it. For renters who love to host events and get togethers, an umbrella liability policy should be a mandatory add-on to your insurance portfolio. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Roommate\u2019s Personal Items<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">No renters\u2019 insurance policy will cover a roommate&#8217;s stuff. You may add family members to a renters\u2019 insurance policy if they live with you, but non-family members are not allowed to share policies.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If your roommate wants to get renters insurance, they will have to have their own policy. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Undocumented Items<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Renters insurance policies are not a free-for-all when damage happens. In fact, without proper documentation, your renters\u2019 insurance might not do you any good. In some cases, you need to have some type of proof you owned the item you\u2019re about to claim.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Luckily, this isn\u2019t too difficult. Here are a few common ways to document your things for insurance purposes:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Keep all receipts for large purchases, especially electronics. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Create a file with the name, model number, and serial number of all electronics and valuables. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">High priced items should be professionally appraised and documented. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Snap photos of all items with your cell phone and email them to yourself.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Invest in a small fireproof safe to keep files and receipts. <\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">By doing these few things, you\u2019ll have the documentation required when you need renters\u2019 insurance to kick in. While this may seem timely, it\u2019ll take about 30 minutes once you get started and can save you thousands of dollars in the long run. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Reimbursement Renters\u2019 policies<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">However, if all this is too much for you, look for a renters\u2019 insurance policy that pays out claims on a reimbursement basis. This means, that if something is stolen from your rented place, you just need to re-buy it, then email in the receipt to your insurance company. Once they get it, that is when they will reimburse you for the stolen item. \u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Finding the A Great Policy For You<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Don\u2019t delay in getting renters\u2019 insurance. These policies start at around $10 a month and go up from there &#8211; depending on how valuable your items are. Always go with full replacement cost on all personal property and get multiple quotes before purchasing a policy. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Diving into the details of insurance policies isn\u2019t for the faint of heart. While you may have renters\u2019 insurance, most don\u2019t fully understand what their policy does cover and what it doesn\u2019t. Luckily, that\u2019s where we come in. &nbsp; After looking into the details of a plethora of renters\u2019 insurance policies, we\u2019ve noted what most [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":480,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-renters-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Does Renters Insurance Not Cover? | Protective Agency<\/title>\n<meta name=\"description\" content=\"Are you currently renting an apartment or a home and don\u2019t fully understand what renters insurance covers ? 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