What Does Renters Insurance Cover

Policies typically cover personal property, liability, medical payments to others, and additional living expenses after a covered loss.

Covered Perils

• Fire/smoke, theft, vandalism
• Water damage from burst pipes (not floods)
• Wind/hail (subject to deductibles)

Common Exclusions

• Flood and earthquake (separate policies)
• Wear and tear, maintenance issues
• Business property beyond small limits