{"id":19241,"date":"2017-06-19T07:23:41","date_gmt":"2017-06-19T14:23:41","guid":{"rendered":"https:\/\/www.freeway.com\/?p=19241"},"modified":"2020-12-29T22:54:20","modified_gmt":"2020-12-29T22:54:20","slug":"5-things-renters-insurance-does-not-cover-and-how-you-can-get-them-covered","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/blog\/renters-insurance\/5-things-renters-insurance-does-not-cover-and-how-you-can-get-them-covered\/","title":{"rendered":"5 Things Renters Insurance Does Not Cover (And How You Can Get Them Covered)"},"content":{"rendered":"

You love your apartment\u2014and your stuff. You want to keep your property and your belongings protected, just in case something unexpected happens. As you\u2019re searching for the best renters insurance rates<\/strong><\/a>, you\u2019re also exploring exactly what renters insurance covers and what it doesn\u2019t.<\/p>\n

This information is often hard to find. While renters insurance covers a broad swath of things, such as personal items, property damage, and personal liability, you might be surprised to learn what it doesn\u2019t cover<\/a>. Here are five of the most important things renters insurance does not cover.<\/p>\n

High-Value Items<\/h2>\n

If you own art, jewelry, or high-end electronics, then get a separate insurance policy for those items. Basic renters insurance policies do not cover high-value possessions.<\/p>\n

Your Roommate\u2019s Possessions<\/h2>\n

As much as you might love your roommate, his or her possessions won\u2019t be included on your renters insurance plan. Most policies do cover family members who live with you, but they do not cover unrelated people living in your home. To protect your roommates and their belongings, ask them to get their own renters insurance policy.<\/p>\n

Undocumented Items<\/h2>\n

We all own things that we\u2019ve forgotten to add to our insurance policy. Unfortunately, those items aren\u2019t covered. To avoid this from happening to you, take a photographic inventory of the items in your home and send them to your insurance company. You may need to get certain expensive items appraised in order to get coverage for them.<\/p>\n

Damage You Caused<\/h2>\n

Most renters insurance policies include some form of personal liability insurance. That means, should someone get injured at your home, your policy will pay for their medical expenses and, potentially, your legal fees.<\/p>\n

What liability insurance won\u2019t cover is damage or injury that you\u2019ve caused. Specifically, if you\u2019ve harmed another person, damaged your property, or broken your television, your renters insurance won\u2019t cover the costs.<\/p>\n

Damage from Natural Disasters<\/h2>\n

Do you live in area where earthquakes, hurricanes, wildfires, or flooding occurs seasonally? If so, it\u2019s likely that your renters insurance policy does not cover damage due to these common natural disasters. You can get additional coverage for damage caused by natural disasters. Just talk to your insurance company.<\/p>\n

How You Can Get Additional Coverage<\/h2>\n

Renters insurance, despite certain coverage omissions, still has many benefits. It offers personal liability protection in case your dog bites one of your dinner guests. It covers that furniture and collection of sporting goods you keep in your storage unit. It protects you financially, even while you travel, reimbursing you for the cost of lost, damaged, or stolen luggage. It even can replace the spoiled food in your refrigerator if it stops working.<\/p>\n

If renters insurance isn\u2019t enough to cover all of your possessions, then talk to your insurance company about getting what\u2019s called \u201cfloater coverage.\u201d You can shop for additional coverage for your jewelry, electronics, art, and other high-value items.<\/p>\n

You also can get total replacement cost coverage. These more expensive plans protect you from loss, damage, and theft, reimbursing you for anything that\u2019s in your apartment.<\/p>\n

To compare<\/strong> renters insurance quotes<\/strong><\/a>, contact Freeway Insurance today at (800) 777-5620. Our customer service team is available to walk you through what your renters insurance covers, what it doesn\u2019t, and how you can obtain additional coverage for your belongings.<\/p>\n","protected":false},"excerpt":{"rendered":"

You love your apartment\u2014and your stuff. You want to keep your property and your belongings protected, just in case something unexpected happens. As you\u2019re searching for the best renters insurance rates, you\u2019re also exploring exactly what renters insurance covers and what it doesn\u2019t. This information is often hard to find. While renters insurance covers a […]<\/p>\n","protected":false},"author":1,"featured_media":19242,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[322],"tags":[],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/posts\/19241"}],"collection":[{"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/comments?post=19241"}],"version-history":[{"count":1,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/posts\/19241\/revisions"}],"predecessor-version":[{"id":25394,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/posts\/19241\/revisions\/25394"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/media\/19242"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/media?parent=19241"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/categories?post=19241"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/tags?post=19241"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/importance?post=19241"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/type-content?post=19241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}