What isn’t covered under renter insurance?

  • A standard renters policy doesn’t cover you for earthquakes. You’ll need special coverage for this.
  • Water damage from flooding, drainage backing up or ground water seeping into your basement is not covered.
  • Animals, birds and fish are not covered.
  • Motorized vehicles of any kind are not covered. That’s what auto insurance is for more specifically, that’s what comprehensive auto insurance is for.
  • Aircraft and aircraft parts are also not covered.
  • Power failure from an outside source is not covered.
  • Business information is not covered. You may be reimbursed for your computer, but you won’t be reimbursed for the information you had stored on it.
  • You also aren’t covered for neglect. If you could have prevented the damage, say by closing the window, the insurance company won’t pay for it.
  • War is not covered, including any damage or loss done by U.S. military personnel.
  • You aren’t covered for nuclear hazard.
  • You also aren’t covered for intentional loss, such as a fire you caused for the purpose of collecting insurance.


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