Tag: renters insurance exclusions

Renter Flood Insurance Guide: NFIP Rules and Limits

I’ll say it plainly: renter flood insurance is the most misunderstood line item in any lease, and most people only think about it after water is already in the hallway. When a storm drain backed into my neighbor’s ground-floor apartment, I spent three weeks comparing…

How to Fix Common Renters Insurance Exclusions

Last winter a burst pipe upstairs soaked my closet, and I assumed my policy would simply cut a check. It didn’t. That’s when I finally learned what does renters insurance not cover — floods, earthquakes, pest infestations, and the building itself almost never make the…