What does renters insurance not cover?

Standard policies usually exclude floods, earthquakes, pest infestations, and your roommate's belongings unless specifically added.

Renters insurance does not cover the building structure (your landlord's responsibility), high-value items without special endorsements, intentional damage, or risks like floods and earthquakes unless you purchase additional coverage.

If a flood damages your rental unit, renters insurance won’t cover it unless you have additional flood insurance. However, damage from a burst pipe would likely be covered.

If you live in a high-risk area for floods or earthquakes, talk to your insurer about adding separate policies for those risks.