June 24, 2021
What Can and Cannot Be Covered by Renter’s Insurance?

It’s best to read through the terms and remember the specifics of what is covered because each policy can vary. Typically, these are the things your renter’s insurance covers!

Unless you have a pretty chill landlord, being a renter can be incredibly challenging. Your home isn’t yours, so there are some things you can’t do, like own a pet or drill a hole in the wall. There’s also the roommate situation if you can’t afford a solo place.

But renting isn’t all that bad. It can allow you independence from your parents without costing you too much money. Additionally, renting a place close to your office can save you from the time and hassle of commuting. 

There are certain things you need to consider when renting. And one thing most renters forget about is what happens to their property in the case of a fire or a robbery. It’s always best to be prepared, so it’s ideal to get renter’s insurance so you’ll have one less thing to worry about. 

What Can Be Covered by Renter’s Insurance?

In unforeseen circumstances, such as fire or theft, renter’s insurance can help you protect your belongings. It’s best to read through the terms and remember the specifics of what is covered because each policy can vary. Typically, these are the things your renter’s insurance covers:

Personal Belongings

When you experience property damage from flooding or a robbery in your apartment, your renter’s insurance will help you cover the cost of replacing any lost or damaged items. However, the insurance company will only replace your belongings if the cause of the damage is included in the list indicated in the policy.

Temporary Living Expenses

In the unfortunate event that your rental home has been damaged to the point where it’s not safe to stay there at the meantime, renter’s insurance will cover the costs of your temporary living situation. You will be covered until repairs on your rental property are completed or until you find a new place of residence.

Personal Liability and Medical Bills

If you or a guest of yours gets hurt on the premises of your rental home, renter’s insurance will cover the medical expenses. And if the injured guest takes legal action for their injury, renter’s insurance will also cover legal liabilities.

What Cannot Be Covered by Renter’s Insurance?

Unfortunately, renter’s insurance policies have several limitations. And you can’t claim every bad thing that happens to your rental home for insurance. Here are some instances where renter’s insurance does not apply:

Pest Damage

Although renter’s insurance covers fire, explosions, and flooding, pest damage is a different story. Renter’s insurance will not cover property damage from pests such as rats. So, it’s best to contact pest control to handle the problem to avoid any damage to your property. 

Your Roommate’s Property

While your property might be covered by renter’s insurance, the property of those living with you aren’t. However, if you’re living with someone else, you may opt to get joint renter’s insurance to cover both your belongings.


Getting renter’s insurance can help protect your property. In cases such as a fire, flood, or theft, renter’s insurance will replace your damaged or stolen items, pay your temporary living expenses, and cover your medical bills and personal liability. However, renter’s insurance might not be able to cover everything you need, so it’s best to take care of your home as well as you can to avoid additional damage.

For more help in apartment management in Ottawa, you can trust Fahel & Co with your property. We are Ottawa’s most trusted residential property management firm, and we are dedicated to providing our clients with unmatched service and care. Contact us today for more information!