Damage to your property as a result of infestations of pests such as bedbugs, termites, carpenter ants and other vermins is generally not covered by renters’ insurance.

Some insurers, however, may offer additional bed bug coverage, depending on your location. This supplement may cover the cost of removing bed bugs from your accommodation.

If someone breaks into your home, the renters’ insurance policy will pay for your stolen personal property – electronics, jewelry, guns, or silverware – but only up to the amount of coverage stated in the limits. of your policy and once the amount of the deductible has been reached.

Renters ‘insurance covers tenants’ belongings and personal effects. It can reimburse you for the cost of replacing items damaged by a covered risk, as well as legal fees and additional costs that you incur in the event that you have to stay elsewhere while your rented accommodation is being repaired.

Renters’ insurance covers water damage to your personal property if it is the result of an accidental overflow of appliances, heating systems, or burst pipes. It will not cover water damage resulting from a flood; for this type of coverage, you would need a flood insurance policy.