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AlphaSure Affordable Insurance Svcs Blog

Renters Insurance Exclusions

Renters insurance is a policy offering tenants coverage for various perils and liabilities. If you rent in and around the San Antonio, TX metroplex, contact the insurance professionals at AlphaSure Affordable Insurance Services to learn about a new renters insurance policy or determine if your current coverage is sufficient.

These situations, however, are not typically covered by this policy:

Damage Caused By Certain Perils

While insurance for renters typically covers fire, vandalism, theft, and defined weather events, it doesn’t typically cover floods, earthquakes, and hurricane damage. Additional coverage can be purchased to cover those perils.

High-Value Items

Personal belongings are typically covered in a renter’s policy; however, there may be coverage limits on expensive items like jewelry, artwork, and more. These items can be covered by a rider added to the policy.

Intentional Damage/Illegal Activities

Intentional damage or that resulting from illegal activities is excluded.

Business-Related Property/Activities

Renters insurance does include coverage for business property damage or damage arising from business-related activities in the unit. Separate business insurance can be purchased.

Certain Personal Property

Certain policies designed for renters may have exclusions for defined types of personal property. Separate insurance can be bought to cover watercraft, pets, and more.  

Certain Liabilities

Personal liability coverage is usually included but may have exclusions for professional services, intentional acts, specific dog breeds, etc.

Reach Out To Us

As with any insurance, it’s critical to understand the terms, conditions, and exclusions of a renters policy. Contact the licensed professionals at AlphaSure Affordable Insurance Services in San Antonio, TX for more information. We look forward to serving your insurance needs.