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Does renters insurance cover personal property. Renters insurance will rarelyor nevercover damage to your personal property for some specific perils such as earthquakes riots and pests. Compare 90 House Insurance Quotes and You Could Save up to 46 With Us. Ad Insure Your Laptop Against Accidental Damage With Direct Line Tenants Contents Cover.

Ad Buildings Contents Liability More. Renters insurance does not cover property damage for all perils. To be covered the property damage must have been caused by a covered peril.

Renters insurance only covers damage to the policyholders personal property and damage they accidentally cause to someone elses property including a house or belongings. Bed bugs and pests. This protection generally applies to certain risks also referred to as perils such as fire according to the Insurance Information Institute.

There are two main coverage areas of a renters insurance policy. You may need additional coverage for jewelry high-end electronics and more. Personal property coverage and personal liability coverage.

Ad Save on your Home Insurance with Quote Comparison at MoneySuperMarket. Most renters insurance policies will not cover damage costs associated with bed bugs with limited exceptions. Renters insurance protects your belongings and offers liability coverage for injuries that happen on your property.

Personal property coverage a standard component of renters insurance may help cover the cost of replacing your stuff if its unexpectedly damaged or destroyed. It also offers relocation costs if you are temporarily forced out of your rental. Renters insurance protects both you and your personal property.