Renters insurance provides you with coverage for your personal property and limits your liability. It will help you replace your possessions should you lose them through fire, theft, storm damage, or some other form of covered event. While you should understand the amount of coverage that you enjoy through renters insurance, you should also know what you are not responsible for. There is no need to make a claim for some things that are found in your home for instance. So, what doesn’t your renters insurance need to cover?

Appliances Owned By The Landlord

The homeowner’s insurance policy will cover any appliances that are owned by the homeowner. For example, your landlord’s insurance policy will cover any theft or damage that happens to a dishwasher, washing machine, or refrigerator that the homeowner owns. Renters are not responsible to insure appliances provided by the homeowner from theft or damage. But, renters are always liable for any damage they cause to any appliances that are in the home or apartment beyond fair wear and tear.

Carpet And Flooring

Many apartment landlords require tenants to steam clean the carpets before they move out or prove that they had a company come in and do the work. While as a renter you may be responsible to keep your landlord’s carpets and hardwood floors clean, you are not responsible if they are damaged through an act of nature. If the floors or carpet in your apartment are damaged by an event such as a tree limb crashing through your roof, you are not responsible for the flooring. That would be considered part of the building’s structure, and the landlord’s building insurance would be responsible for covering the damage to the floors.

Furnishings That Are Provided To You

Some apartments and homes come fully furnished. Many landlords leave their old furniture in a home or apartment because they do not have enough room to take these items with them to their new home. Others simply leave them as an enticing way to attract new tenants to choose their homes over others for rent in the area. While this is a nice perk, it may not be necessary to purchase renters insurance to cover these items. You should check with your lease agreement to see which party is responsible for these items should they be destroy through a fire, for example. In many cases, the liability for the item will fall on the building’s owners. This does not prevent them from seeking damages that you cause to items through rough use and the like.