What Does Renters Insurance Not Cover?
Renters insurance is essential for protecting your belongings and providing liability coverage in case of unexpected events. However, it’s important to understand what renters insurance does not cover. In this article, we will explore common exclusions to help you fully comprehend the limits of your policy.
Get a quote in less than a minute
Get no-nonsense coverage that's the best value for your money. Purchase policies from your computer or phone, receive your documents instantly, and save when you buy online.
Get a free quote
4.7 rating
Natural Disasters
While renters insurance typically covers damage caused by fire and smoke, it may not protect against natural disasters such as earthquakes, floods, or hurricanes. To safeguard your belongings in areas prone to such events, consider purchasing separate coverage or riders specifically tailored for these risks.
Damage from Pest Infestations
Renters insurance usually doesn’t cover damage caused by pests, such as termites, rodents, or bedbugs. These infestations are considered maintenance issues and are the responsibility of the landlord or tenant to address.
High-Value Items
Most renters insurance policies have coverage limits for high-value items like jewelry, art, and collectibles. If you own valuable possessions that exceed these limits, you may need to purchase additional coverage or a separate policy to adequately protect them.
Get comprehensive tenant insurance for what matters
Get no-nonsense coverage that's the best value for your money. Purchase in less than a minute, receive your policy instantly, and save when you buy online.
Get a Free Quote
4.7 rating
Intentional Damages or Illegal Activities
Renters insurance generally does not cover damages caused intentionally by the policyholder or resulting from illegal activities. Any liability or property damage caused intentionally or as a result of criminal acts will not be covered.
Business Equipment and Liability
If you operate a home-based business, keep in mind that your renters insurance might not extend coverage to business equipment or provide liability protection for business-related incidents. You may need to consider separate business insurance policies to adequately cover these aspects.
Certain Types of Personal Belongings
Some personal belongings may have limited or no coverage under a standard renters insurance policy. Examples include vehicles, motorized watercraft, and certain recreational or sporting equipment. To cover these items, additional policies such as auto insurance or specific coverage for watercraft or recreational vehicles may be required.
APOLLO is Canada’s leading provider of tenant insurance, designed specifically for renters and customizable to your lifestyle. Get your free quote in less than a minute and we’ll send your policy documents right to your inbox.
Get a quote in less than a minute
Get no-nonsense coverage that's the best value for your money. Purchase policies from your computer or phone, receive your documents instantly, and save when you buy online.
Get a free quote
4.7 rating
Originally published August 25, 2023, updated August 9, 2024
Back to APOLLO MagazineGet a quote in less than a minute
Get no-nonsense coverage that's the best value for your money. Purchase policies from your computer or phone, receive your documents instantly, and save when you buy online.
Get a free quote
4.7 rating
Get a quote in less than a minute
Get no-nonsense coverage that's the best value for your money. Purchase policies from your computer or phone, receive your documents instantly, and save when you buy online.
Get a free quote
4.7 rating
Relevant articles
Getting insured is as easy as 1 - 2 - 3
1
Tell us (very little) about yourself
Just tell us your address, your name, email and phone number. And that's it. We'll give you a price in less than a minute.
2
Pay online easily and securely
You can choose to pay monthly or save money by paying for the entire year in one easy payment.
3
Get your documents in your inbox - instantly
As soon as you complete your purchase, you'll find your proof of insurance and policy documents waiting for you in your inbox.
Get covered today - it couldn’t be easier
We’ve provided more than 1,000,000 quotes to Canadians just like you. Give it a try!