Most renters in Missouri understand the importance of having an insurance policy to protect their belongings. However, some people mistakenly believe it’s their responsibility to replace everything that happens to the home, and that’s not always the case.
Coverage
Standard renters’ insurance policies provide coverage for your personal belongings. This includes items such as clothing, furniture, children’s toys, and other possessions within the property. Some policies may extend coverage to belongings inside your vehicle, but this varies by insurer. It’s always a good idea to consult an agent at Riverside Insurance Agency Inc. to understand what’s covered under your specific policy.
Exclusions
Every renters’ insurance policy has specific exclusions. For example, many policies won’t cover damage caused by pets or roommates. Additionally, they won’t cover damages that exceed your coverage limits. Structural damage to the property is also excluded, as it is typically the landlord’s responsibility.
What Is the Landlord’s Responsibility?
Many tenants wonder whether their renters’ insurance covers replacement windows or other structural repairs, but these are generally the landlord’s responsibility. Any part of the structure of the house, including areas that are not your personal belongings, falls under the landlord’s obligations. This includes:
- Windows
- Broken doors
- Electrical systems
- Plumbing systems
- Walls
- Floors
There are a few exceptions when a renters’ insurance policy may cover a broken window. However, these are exceptions and not the general rule.
When Broken Windows Are Covered
Some renters’ insurance policies include general liability coverage, which may cover the cost of replacing a window if you, a friend, or a pet accidentally breaks it. Additionally, a broken window may be covered if it’s caused by a covered event, such as a break-in where the window is damaged during the theft of your belongings.
Renters’ insurance policies can vary significantly by insurer. It’s essential to speak with an agent at Riverside Insurance Agency Inc. to learn more about your coverage options. Contact us today to get personalized assistance. We’re proud to help renters in the Byram, MS area.
