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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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What is Not Covered by Renter’s Insurance?

Renters coverage refers to a type of insurance policy that provides renters or tenants with coverage for various defined perils and potential liabilities. If you rent in the greater Centennial, CO community, contact the insurance professionals at Atrium Insurance Group to learn about how a renters insurance policy can help protect you, your family, and your assets.

Note that not every circumstance is covered by a renter’s insurance policy.

Examples include the following:

High-Value Items

While one’s personal belongings are typically covered by a renter’s policy, it is highly likely that there will be policy limits regarding expensive items – artwork, jewelry, etc. Note that a rider can be included to cover these high-value items.

Damage Caused By Certain Perils

Renter’s insurance typically covers fire, vandalism, theft, and specific weather events. However, it doesn’t usually provide coverage for –

  • Floods
  • Earthquakes, and
  • Hurricane damage. Additional coverage can be purchased to cover these types of perils.

The Damage was Intentional or Caused by Illegal Actions

Intentional or illegal damage is typically excluded from a renter’s policy coverage.

Certain Personal Property

Certain insurance policies designed to protect renters may set forth specific exclusions regarding personal property. Note that a separate insurance policy can be purchased to cover boats, other watercraft, pets, and more.  

Certain Liabilities

Personal liability coverage is typically part of a renter’s policy, although it is noted that certain exclusions may exist regarding liabilities related to professional services, specific dog breeds, etc.

Contact a Leading Insurance Company Today

As with any insurance, it’s essential to have a full understanding of the renter’s policy’s terms, conditions, and exclusions. Contact the licensed professionals at Atrium Insurance Group in Centennial, CO for more information. We look forward to serving your insurance needs.

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