What is renters insurance and what does it cover – Waco Tribune-Herald

Damage to your belongings as a result of pest infestations such as bed bugs, termites, carpenter ants and other vermin is generally not covered by renters insurance.

Some insurers, however, may offer bed bug coverage as an add-on, depending on your location. This extra may cover the expense of removing bed bugs from your place.

Does renters insurance cover theft?

If someone breaks into your place, renters insurance policy would pay for your stolen personal property -- electronics, jewelry, firearms or silverware -- but only up to the amount of coverage listed in your policy limits and after the deductible amount is met.

How does renters insurance work?

Renters insurance covers tenants' personal property and belongings. It can reimburse you for the cost of replacing items damaged by a covered peril, as well as for legal expenses and any additional costs you incur in the event you must stay elsewhere while your rented home is repaired.

Does renters insurance cover water damage?

Renters insurance covers water damage to your personal property if it's the result of accidental overflow from appliances, heating systems or burst pipes. It won't cover water damage resulting from a flood; for this type of coverage you would need a flood insurance policy.

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What is renters insurance and what does it cover - Waco Tribune-Herald

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