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Does Renters Insurance Cover… 23 Questions About Your Coverage

By Jarrod Heil

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Your renters insurance policy may be filled with complex language that you just don’t quite understand. Fortunately, the folks at Clovered have your coverage questions covered, so you don’t have to worry about anything if something happens to you, your property or your personal belongings.

Each renters insurance policy comes with maximum limits, which dictate the maximum amount of money the insurance company will pay for each claim. It’s important to know and understand your policy and the different types and levels of renters insurance coverage.

With each claim you file, you must meet your deductible before your insurance company begins paying your claim. If you’re adequately covered and have a $500 deductible and a covered fire destroys $30,000 worth of your belongings, you must pay $500 before your insurance company cuts a check for the remainder. Adversely, if you have a $500 deductible and $400 worth of your belongings were stolen, you may want to file a police report but skip the insurance claim.

Getting to your coverage questions, check out these 23 different questions that all begin with Does Renters Insurance Cover…

1. Does Renters Insurance Cover Water Damage?

Yes, renters insurance covers water damage in many instances. If the water damage was caused by a leak in your unit or someone else’s unit, your renters insurance policy will likely pay to repair or replace your belongings. For example, if the roof of your place leaks and the landlord refuses to pay for your damaged belongings, you can file a claim and you’ll likely get reimbursed for the items.

2. Does Renters Insurance Cover Theft?

Yes, a standard renters insurance policy covers your belongings from theft if the items are stolen from your home, car or usually when you’re traveling. If they’re stolen in any of those scenarios and you have adequate coverage, you’ll likely be reimbursed for the items you’ve worked so hard to get.

3. Does Renters Insurance Cover Bike Theft?

Yes, renters insurance covers bike theft, and typically ensures you’re covered if the bicycle was stolen from the inside or outside of your home, as well as while you’re out on the town. Each renters policy has a standard amount of coverage for expensive items and will only pay up to a certain amount per item, but you may add a rider to your policy to purchase more coverage. Talk to your agent to see if you’re fully covered.

4. Does Renters Insurance Cover Theft Outside the Home?

Yes, in some instances renters insurance covers theft outside your own home. If you’re traveling and your possessions were stolen, you’re likely covered. In addition, if your belongings were stolen out of your vehicle, renters insurance should cover that as well.

5. Does Renters Insurance Cover Theft from Car?

Yes, renters insurance usually covers theft from your own car. If your possessions were stolen from somebody else’s car, your renters insurance claim may get a little tricky. You’ll want to talk to your insurance agent before filing a claim to find out if you’re covered in that scenario.

6. Does Renters Insurance Cover Car Theft?

No, unfortunately, renters insurance does not cover car theft. If your car was stolen, we’re sincerely sorry, but you’re going to have to contact your auto insurance company to get matters solved.

7. Does Renters Insurance Cover Fire?

Yes, renters insurance covers your possessions in the event that a covered fire breaks out and damages or destroys your belongings while they’re inside your rental home. In addition to repairing or replacing your belongings, renters insurance can reimburse you for living expenses if the fire forces you to temporarily move out of your home.

8. Does Renters Insurance Cover Bed Bugs?

No, renters insurance typically excludes damage as a result of any kind of bug problem, including bed bugs, cockroaches, insect infestation and any other rodent problem your home may have — whether or not they were caused by you.

Protect Your Belongings With Renters Insurance

Averaging just $12 per month, renters insurance can protect your belongings for the cost of a few cups of coffee.

9. Does Renters Insurance Cover Flood Damage?

No, renters insurance policies don’t cover any sort of flood damage if flooding was caused by a natural disaster or similar event. You must purchase flood insurance separately to ensure you’re covered. It does, however, cover certain types of water damage that may result in a flooded home, such as burst water pipes.

10. Does Renters Insurance Cover Moving?

No, renters insurance does not cover any of your personal belongings during a move, even if they’re damaged by a mover while they’re still in your home. Professional moving companies offer two types of insurance, released value and full value protection, that we highly recommend you purchase.

11. Does Renters Insurance Cover Storage Units?

Yes, many renters insurance policies offer additional coverage that can protect your items that are securely tucked away in a storage unit. The additional coverage will slightly raise your monthly premium and typically offers coverage against the same kinds of perils included in your regular renters policy.

12. Does Renters Insurance Cover Hurricane Damage?

Yes, many companies that provide renters insurance include hurricane coverage within a policy, but some coastal insurance companies exclude damage caused by hurricanes as a covered peril. If a company has excluded hurricane coverage in its renters insurance, you may still be able to purchase an additional rider that provides coverage. However, if a hurricane causes a flood that affects your home, you likely won’t be covered for it.

13. Does Renters Insurance Cover Broken Windows?

No, renters insurance does not cover broken windows because they are considered part of the home’s structure, which would be covered under a homeowners, condo owners or landlord insurance policy.

14. Does Renters Insurance Cover Mold?

Yes, renters insurance covers mold damage if mold grew as a result of standing water from a burst pipe, a leaky roof or any other covered peril and damaged your belongings. However, if the mold developed because of negligence, such as a bathroom that had not been cleaned properly, your belongings are usually not covered.

15. Does Renters Insurance Cover Earthquakes?

No, renters insurance does not cover damage caused by earthquakes, even if you are forced to move out of your home. Earthquakes can be extremely costly and put you in a tough spot, so we highly recommend purchasing earthquake insurance if you live in an area that’s prone to them.

Protect Your Belongings With Renters Insurance

Averaging just $12 per month, renters insurance can protect your belongings for the cost of a few cups of coffee.

16. Does Renters Insurance Cover Dog Bites?

Yes, the liability portion of a renters insurance policy covers medical bills and legal expenses, up to your coverage limit, that you incur if your dog bites someone. However, if you have a restricted breed and were untruthful about the breed of your dog, you could be left paying any damages out of your own pocket. Take a look at some of the most common dog breeds restricted by insurance companies.

17. Does Renters Insurance Cover Pets?

This one is a bit complicated. Renters insurance covers medical bills and legal expenses if your pet bites someone and also it covers damage that your pet causes to another person’s property. But it doesn’t cover your actual pet. If your pet is stolen, gets injured or causes damage to your belongings, renters insurance won’t cover you. We recommend looking into pet insurance to help out with any medical expenses you may incur due to a sick or injured pet.

18. Does Renters Insurance Cover Pet Damage?

Yes and no. Renters insurance covers your pet’s damage to another person’s property or belongings; it covers your belongings if somebody else’s pet damages them; and it covers medical expenses and legal bills if your pet injures another person. But it doesn’t cover your belongings if your pet damages them; and it doesn’t cover any injuries you sustain due to your pet.

19. Does Renters Insurance Cover Lost Items?

Yes, renters insurance provides financial coverage for lost items in certain circumstances. This coverage goes hand in hand with losses resulting from theft and vandalism. Every situation is unique, so you’ll want to consult your insurance agent to find out if lost items are covered by your policy.

20. Does Renters Insurance Cover Damage to a Rental Property?

No, renters insurance doesn’t cover damage to a rental property. Since renters policies are designed as a wall-to-wall policy, they cover many things inside the rental home but not the structure itself. Homeowners and landlord insurance cover property damage, but you’ll likely be held liable to pay for any damage you caused to a rental property.

21. Does Renters Insurance Cover Personal Injury?

Yes, the liability portion of your renters insurance policy covers major and minor personal injuries to somebody else if they occur on your property and were caused by you or negligence on your behalf. For example, if a guest slips, falls and breaks their leg on your freshly mopped floor, renters insurance will likely help pay their medical bills. The liability portion of your policy extends to legal expenses as well. So if that person sues you due to their broken leg and its complications, your policy will cover lawyer and court costs up to your maximum.

22. Does Renters Insurance Cover Vandalism to Car?

No, your renters insurance will not typically cover damage to your car, even if that damage was sustained outside or inside the garage of your rental home. Coverage for car damage usually falls within your auto insurance policy.

23. Does Renters Insurance Cover Temporary Housing?

Yes, renters insurance covers temporary housing if the rental home you’re living in was damaged or destroyed by a covered peril and is deemed uninhabitable. Renters insurance also covers any extra living expenses you incur, such as food and gas for your car, while the rental home is being repaired or rebuilt.

Protect Your Belongings With Renters Insurance

Averaging just $12 per month, renters insurance can protect your belongings for the cost of a few cups of coffee.