What Isn’t Covered by Renters Insurance in California?
Renters insurance is a smart and affordable way to protect your personal belongings and liability as a tenant—but like all policies, it has its limits. Knowing what’s excluded is just as important as knowing what’s included. Let’s break it down.
What’s Not Covered by Renters Insurance?
Flood Damage: Renters insurance does not cover damage caused by flooding. If you live in a flood-prone area, you’ll need to purchase separate flood insurance through FEMA or a private insurer.
Earthquake Damage: In earthquake-prone states like California, this is important to note: renters insurance does not cover earthquakes by default. You can often add earthquake coverage as an endorsement to your policy for an extra cost.
Pest Infestations: Damage from rats, mice, bed bugs, cockroaches, or other pests is considered a maintenance issue and is not covered.
Wear and Tear / Maintenance Issues: Normal wear and tear issues are typically the landlord’s responsibility.
High-Value Items Above Policy Limits: Personal belongings are covered, but there’s a dollar limit on expensive items (Ex: Jewelry, Artwork, Collectibles, Electronics, etc.) You can schedule these items separately or increase your limits with additional coverage (called a “rider” or “endorsement”).
Your Roommate’s Stuff: Unless they’re listed on your policy, your roommate’s belongings are not covered—even if they live in the same space. They’ll need their own renter’s insurance policy.
Other Common Questions
Does Renters Insurance Cover Theft?
Yes—theft is covered, whether it happens inside your home, from your car, or even while traveling (depending on your policy limits and deductible).
Does It Cover My Landlord’s Property?
No—renters’ insurance only covers your personal belongings. Your landlord is responsible for damage to the building itself.
What If I Can’t Stay in My Apartment After a Covered Event?
Most policies include Loss of Use coverage, which pays for temporary housing, meals, and related expenses if your place becomes unlivable due to a covered incident (like a fire or major water damage).
How Can I Make Sure I’m Properly Covered?
Take a home inventory of your belongings
Keep photos and receipts of valuable items
Talk to your agent about adding coverage for high-value property or natural disasters
