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Common Renters Insurance Coverage Exclusions

Renters Insurance

Common Renters Insurance Coverage Exclusions

If you are living in a rented apartment or home, then you know how important it is to carry renters insurance in Orange, California.  However, like all insurance policies, renters insurance is subject to certain limitations.  To ensure that you are not surprised by coverage exclusions, here are some of the common ones that you should know about.

  • Certain Natural Disasters

While renters insurance offers protection against most natural disasters, there are certain extreme events that are excluded from coverage.  For instance, some policies may exclude coverage for damage related to tornadoes and hurricanes.  Almost all renters policies will exclude coverage for earthquake or flood damages.  To ensure that you have the comprehensive coverage that you need, you should carefully review your policy to learn about your exclusions.  If you need to fill gaps in your coverage, then you have the option to secure policy endorsements or separate insurance policies to secure additional protection.

  • Pest Infestations

While your renters insurance is designed to protect your belongings, your policy will not cover damages related to pest infestations.  This is because insect and rodent infestations are considered a standard maintenance issue that falls under the responsibility of the renter, not their insurance provider.

  • Your Roommate’s Belongings

If you share your rented space with a roommate, it’s important to understand that your policy will not automatically provide coverage for their belongings.  If your roommate wants protection, then you have some options.  You can opt for a joint policy that will offer coverage for multiple renters.  However, if you choose this option, please be aware that you may be paying for unnecessary coverage, especially if your roommate owns high-value items.  This coverage option can also cause issues if you or your roommate decides to move out.  Generally, roommates are encouraged to secure their own renters policies to avoid unnecessary complications.


Renters insurance does not cover theft,  damage or vandalism to your vehicle. However, it covers belongings inside your car at the time of such incidents.

Personal Business Items

Renters insurance coverage will not pay for items used for business purposes. If you do gardening as a hobby, any loss or damage to your garden equipment will be covered by the renters policy. However, if you use the equipment for your landscaping business, the coverage is excluded. A few renters insurance policies may have a lower sub-limit for business-related property coverage, which you can check with your provider.

Landlord Negligence

Renters insurance cover does not pay for the loss or damage resulting from the negligence of the property owner, including:

  • Leaving plumbing issues unfixed until it leaks and causes extensive damage
  • A fire resulting from faulty wiring

Undocumented Items

When filing an insurance claim, you will be asked to provide a receipt that validates the value of the damaged items. To avoid denial of claims, keep a record of all the receipts or take pictures of your items and store them in your phone.

Property Damage

Renters insurance covers your personal belongings, but it does not cover the building that holds your goods, as it falls under your landlord’s responsibility.

These are some of the common renters insurance coverage exclusions that you should know about.  Do you need help securing the right renters insurance in Orange, California?  If so, then contact the experts at Remland Insurance.  We are ready to assist you with all your coverage needs today.


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