Renter’s insurance in Pittsburgh, PA is very standard coverage. It will cover you for any liabilities that happen on your property, such as a dog bite or an accident that occurs to someone else. It will also cover you for your contents and the property that you own.
This coverage can cover you for a wide number of things beyond what happens at your home. If you lose a valuable while you are traveling, you can make a claim with your renter’s insurance.
There are many other risks to renting an apartment. You may not be covered for all of them. At Stalwart Insurance, we want you to feel protected through every risk of renting. We also want you to know what is and isn’t covered.
Natural Disasters
Natural disasters generally aren’t covered by your renter’s insurance, but your landlord’s property insurance might cover it. Many renters are confused by this.
Additionally, some disasters will be covered and some won’t be, which is what makes renters so confused. If a tornado damages your apartment, you might be covered. You won’t be covered by earthquakes though.
A flood might be covered, depending on the type of water damage. Not all floods will be.
Pests and Bed Bugs
A major problem with bed bugs, cockroaches, or rodents, will not be covered by your renter’s insurance. That is because these are not considered covered perils.
Talk to your landlord if you have a problem with pests or bed bugs. They are required to ensure your home is habitable, and there are remedies outside of insurance for this problem.
Get a Quote
These are just a few of the things not covered by renter’s insurance in Pittsburgh, PA. Your car, your roommate, additional valuables, will also not be covered. If you need more information or want to purchase renter’s insurance, give us a call at Stalwart Insurance and get a quote for renter’s insurance today.
