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What doest Renters Insurance Cover? Renters insurance policies cover only losses that result from any of 17 named perils. If your property is lost or damaged as a result of one of these perils, your insurance company will compensate you for your loss. The covered perils are: Fire or lightning
Windstorm or hail
Explosion
Riot or civil disturbance
Aircraft
Vehicles
Smoke
Vandalism or malicious mischief
Theft
Broken glass
Volcanic eruption
Falling objects
Weight of ice, snow, or sleet
Accidental discharge or overflow of water
Sudden and accidental tearing apart
Freezing
Artificially generated electrical charge Keep in mind that most renters insurance policies specifically exclude certain perils (e.g., earthquakes, flooding). As a result, you may need to purchase a separate policy to insure your possessions against damage caused by these hazards.
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