Renters Insurance in Covington, GA
Many renters assume their landlord’s insurance will cover their personal items, but that’s rarely the case. Your landlord’s policy typically covers the building itself, not your possessions or personal liability. With unpredictable weather, theft and other risks, having renters insurance can make a significant difference if the unexpected happens. 
What Does Renters Insurance Cover?
Renters insurance may help you recover from losses that can happen while renting. Policies often include:
- Personal property coverage may cover your personal items that are damaged or stolen due to covered events like fire, theft or certain types of water damage. Coverage may include your furniture, electronics and clothing.
- Liability coverage may reimburse legal expenses and medical bills if another person is injured in your rental or you accidentally cause damage to someone else’s property.
- Additional living expenses coverage may pay for temporary housing and extra living costs if your rental becomes uninhabitable due to a covered loss.
What Is Excluded in a Standard Policy?
While renters insurance can offer valuable financial protection, it doesn’t cover every type of loss. Understanding the exclusions can help you determine whether additional coverage is necessary. Standard renters insurance policies often do not cover damage to the building itself, including walls, the roof and major systems.
Flood damage from rising water caused by heavy rain, rivers or lakes is also excluded and usually requires a separate flood insurance policy. Likewise, losses resulting from earthquakes or earth movement are not included unless you purchase a separate policy or endorsement. Other common exclusions are normal wear and tear, high-value items like jewelry and losses caused by intentional damage or illegal activities.
Find Renters Insurance Near You
Every policy is a little different, and coverage limits and exclusions can vary. Lord & Associates Insurance Agency can assess your situation and help you make informed choices about renters insurance. Contact us today to learn more.