What’s NOT covered by renters insurance?

Renters’ insurance can create peace of mind in many situations. Knowing that your items are covered in the event of something unexpected and unfortunate can help many of us to sleep easier. However, it’s a good idea to know what’s not covered by renters insurance as well. There’s nothing worse than an unexpected situation occurring only to find out that you don’t have coverage for it. 

What is Renters Insurance?
Renters insurance is similar to homeowners insurance in that it covers your belongings and provides liability coverage as well. Renter’s insurance also covers stolen or damaged property. However, unlike homeowners insurance, the structure or dwelling you reside in/rent isn’t covered. Some small alterations that you make as a tenant may be covered, however. In short, renters insurance is designed to protect you, your personal items, as well as provide/fund your living arrangements after a covered loss.

What’s NOT Covered?
Although renters insurance covers stolen and damaged property, it’s important to note that it will not cover something you break accidentally. Also, renters insurance won’t cover damage caused by natural disasters like flooding, earthquakes, sinkholes, and pests like bed bugs and termites. Personal property loss and liability protection that extends beyond your coverage limits won’t be covered as well. Voi Insurance Solutions LLC of Glendale, CA is committed to helping Glendale, CA residents understand what’s not covered as well as what is covered. Our team will answer all of your questions and walk you through how renters’ insurance works. We will also take the time to discuss the areas that aren’t covered under renters’ insurance. Give us a call. Our team at Voi Insurance Solutions LLC is standing by.