What Standard Renter's Insurance Policies Cover
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What does my renter's insurance cover?
Most standard renter's insurance policies cover your personal property for the following scenarios:
- fire or lightning
- windstorm or hail
- explosion, riots or civil commotion,
- aircraft or vehicles damage
- smoke
- vandalism or malicious mischief
- theft
- damage by glass or safety-glazing
- volcanic, falling objects, weight of ice and snow
- water related damage from utilities, and electrical surge damage
Flood, earthquake, and hurricane insurance should be added on if you live in an area where this might be of concern.