Question

The coverage under renters insurance will cover the costs of the following items EXCEPT:

a. Your personal belongings
b. The damage to the building
c. Hotel you have to stay at until your apartment can be repaired
d. Small alterations to the property you made at your own expense

Answer 1

Renters insurance typically covers personal belongings and temporary living expenses but does not cover damage to the building structure itself or unauthorized tenant alterations.

Step-by-step explanation:

Renters insurance is designed to protect tenants from losses to their personal property and cover additional living expenses when the rented property is uninhabitable. When considering what renters' insurance does not cover, it is important to understand the typical inclusions and exclusions of such policies.

Coverage generally includes personal belongings, additional living expenses such as hotel stays during repairs, and liability protection. However, renters insurance does not usually cover damage to the building structure—that is the responsibility of the landlord or building owner. Additionally, renters' insurance often excludes coverage for any small alterations or improvements made by the tenant without the landlord's consent or beyond what the policy terms allow for.