What Renters Insurance Does NOT Cover

Renters insurance is recommended for anyone who lives in a rented property. Many people mistakenly assume that it covers all of their property. It is somewhat tricky because it only covers certain things, however, it covers a lot more than other types of policies. Here is a short explanation of what it is and the things that are not covered by it.

What is Renters Insurance?

Renters insurance protects people who do not own the property they live in. This might be a rented house, apartment, or manufactured home. In such cases, the landlord or property owner carries insurance for the dwelling but does not cover the tenant’s personal property. This is where this type of insurance comes in handy. While it is recommended for anyone who is renting, it can be confusing to figure out what is covered and what isn’t.

Natural Disasters (Earthquakes)

If your property is damaged by a wind storm, fire, or lightning strike it may be covered, but if you move into an area known to have frequent earthquakes or flooding you will need to purchase an additional policy for these. This is common in areas considered to be flood zones.


As mentioned above, if you live in a flood zone you will need to purchase a policy to cover damage from flooding. The exception to this is damage from water-filled appliances that overflow such as water heaters, washing machines, and other water systems.

Vehicle Theft

While renters insurance covers the personal items that were damaged or stolen from your vehicle, it does not cover damage done to the vehicle itself. That would be covered under your auto insurance. It doesn’t cover anything considered to be a ‘motor vehicle’ including e-bikes and electric scooters.

Rodent Infestation and Damage to Property

Anytime you live in an area with other people nearby you are bound to run into pests. This includes infestations by rodents and insects. Any damage to personal belongings would not be covered under this policy. Since you are renting, the landlord would be responsible for eliminating the infestation and reimbursement for damage to personal property would be up to the insurance company and the policy coverage.


  • Keep receipts for everything you buy.
  • Take photos of all personal belongings and keep them in a safe place.
  • Renters insurance only covers the person named on the policy and their blood relatives; spouse, and children living in the home. It does not cover roommates.
  • The landlord is responsible for damage to the building and structure which is a larger expense.

These are just a few of the things not covered by renters insurance. But do not let these limitations deter you from looking into it if you rent. There are many benefits to it and it covers more items than not. Just keep in mind that it does not cover “everything.”

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