Most people know that they need renters insurance to protect their belongings in case of fire, theft, or other disasters. However, there are a few things that many renters are surprised to learn are not covered by their insurance policy. Here are five of the most common exclusions from renters insurance coverage.

1. Flooding

Many people assume that since their belongings are indoors, they will be safe from water damage in a flood. However, flooding is not typically covered by renters insurance. If you live in an area prone to floods, you may want to purchase a separate flood insurance policy.

2. Pest Damage

Unfortunately, most renters’ insurance policies will not cover any type of damage that pests may cause. This includes things like rodents chewing through your walls or termites damaging your personal belongings. If you have a problem with pests, you will likely need to contact a pest control company to resolve the issue.

3. Earthquake Damage

Many renters mistakenly believe that their renter’s insurance will cover damage caused by an earthquake. However, most policies exclude this type of coverage. If you live in an area prone to earthquakes, you may want to consider buying a separate earthquake insurance policy.

4. Damage to the Structure of the Home

Your renter’s insurance policy will not cover any damage to the physical structure of the home or apartment that you are renting. This includes water damage to the walls or ceiling or structural damage caused by a fire. If you cause any damage to the property, you will be responsible for repairing it or paying for the repairs.

5. Deliberate Damage

Your renter’s insurance will not cover the repairs if you intentionally damage your property. This includes things like vandalism or recklessly damaging your belongings. If you cause deliberate damage, you will be responsible for paying for the repairs yourself.

Get Renters Insurance in Houston, TX

If you’re looking for renters coverage, Insurance Over Texas has got you covered. We offer a wide range of renters insurance policies to protect your belongings from fire, theft, and other disasters. Contact us today to get a free quote.