Renters FAQ
Insurance

Yes, it often does, but with limits. Most policies extend coverage to items in a public storage unit, usually up to 10% of your total personal property coverage. So if your policy includes $30,000 in coverage, you might have about $3,000 for items in storage. This applies if damage occurs due to a covered event like fire or theft. Be sure to review your specific policy for exact limits and conditions, especially if you have high-value items stored.

No, renters insurance generally does not cover bed bugs or pest infestations. Insurance is intended for sudden and accidental events, like fires or thefts, not ongoing maintenance issues. Responsibility may fall on the landlord or tenant depending on your lease and local ordinances. If you suspect an infestation, notify your landlord right away.

Yes. This is one of the main reasons people purchase renters insurance. Whether items are stolen from your apartment, your car, or even while you’re traveling, your personal property coverage can help. Just keep in mind that valuable items like jewelry or high-end electronics may have limits unless they’re separately scheduled.

Usually, yes. The liability portion of your renters policy can cover dog bites if your pet injures someone (who doesn’t live with you) and you’re found legally responsible. It may cover medical bills, lost wages, and legal expenses. However, some policies exclude certain breeds or dogs with a bite history. Some policies also don’t cover incidents that happen off your property. It’s a good idea to talk with your Rollo Insurance agent if you own a dog.

Yes. Fire is a core peril covered by renters insurance. If a fire damages or destroys your belongings, your policy can help cover repair or replacement. If the fire makes your home unlivable, Additional Living Expenses (ALE) coverage helps pay for temporary housing, meals, and other costs while your home is repaired.

No, standard policies do not cover flood damage. Flooding from heavy rain, storm surge, or rising water is considered a separate peril. If you live in a flood-prone area, you’ll need a separate flood insurance policy. Your Rollo agent can help you get one.

It depends on the cause. If mold is the result of a covered event, like a sudden pipe burst, it may be covered. If mold is caused by neglect, humidity, or flooding, it typically is not. Mold from pre-existing issues also is not covered. Always report water damage right away to avoid complications with coverage.

Not to your own space. Damage your pet causes to your rental (like scratched floors or chewed carpet) usually is not covered. However, liability coverage can help if your pet damages someone else’s property or causes injury. For damage to the rental itself, your security deposit typically comes into play.

Yes, in two ways. First, your belongings are covered if damaged by a covered event. Second, if you accidentally damage someone else’s property and are held responsible, your liability coverage can help pay for the damages. This includes damage to your landlord’s building or a neighbor’s property.

Yes. If your rental becomes uninhabitable due to a covered event like a fire, your Additional Living Expenses (ALE) coverage can help pay for hotel stays, food, laundry, and other temporary expenses. This only applies when damage is caused by a covered peril, not situations like flooding unless you have a separate flood policy.

Yes, but only the wind and hail portion. Renters insurance typically covers damage from strong winds or hail associated with a hurricane. It does not cover flood damage that may follow. For that, you’ll need a separate flood insurance policy.

Yes, renters insurance can include liability coverage for personal injury claims. This applies if someone is hurt in your home and you are held responsible. It can also include coverage for non-physical injury like slander or libel, depending on your policy. Always review your policy to know exactly what’s included.

Not by default. Each roommate should have their own policy. That way, everyone’s belongings are protected and no one’s claims affect the other’s insurance record. It’s the cleanest and most effective setup.

Yes. TVs, laptops, gaming consoles, and other electronics are covered against theft, fire, and some types of water damage. However, mechanical failure or accidental damage usually are not covered unless you add special protection. High-value electronics may require additional scheduling to get full coverage.

Yes. If someone intentionally damages your belongings or your apartment, renters insurance can help pay for repairs or replacement. This applies whether the act happens inside your home or if someone breaks in and causes damage.

It depends on ownership. If the appliance belongs to you, renters insurance can cover it if damaged by a covered peril. If the appliance belongs to your landlord, it is their responsibility and would fall under their policy, not yours.

Generally, no. Most standard renters policies exclude damage caused by pests like bed bugs, rodents, or termites. These are seen as maintenance issues. Depending on your lease and location, pest control might be your landlord’s responsibility or yours. Always report infestations promptly to avoid larger issues.