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What Standard Renter's Insurance Policies Cover

Most standard renter’s insurance policies cover your personal property for the following scenarios:
  1. fire or lightning
  2. windstorm or hail
  3. explosion, riots or civil commotion,
  4. aircraft or vehicles damage
  5. smoke
  6. vandalism or malicious mischief
  7. theft
  8. damage by glass or safety-glazing
  9. volcanic, falling objects, weight of ice and snow
  10. 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.
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