What's Not Covered
There are some exceptions to what insurance may cover.
Most renters policies exclude certain perils such as earthquake, landslide, flood, sewer backup, war and nuclear radiation. The reason why most insurance companies do not cover these situations is because these things happen to too many people at the same time. Adding a special endorsement to your policy and paying an additional premium can cover some of these excluded perils. For example, if you live in an area prone to flooding, you might want to pay an extra premium in order to protect against the damage caused by flood water. You should check with your insurance company to see what additional causes of loss you may need to add to your policy.
Mopeds, motorized bicycles and other recreational vehicles more than likely are excluded from coverage under the renters policy. Be sure to check with your agent or company regarding coverage if this is a concern for you.
Legal responsibility for the transmission of communicable diseases is excluded. No, we're not kidding. The renters policy also excludes home daycare businesses.
