What Does Renters Insurance Typically Cover? 
The following is a small part of the coverages typically provided by renters insurance policy : 1 . Fire or Lightning . 2 . Windstorm or Hail : This does not cover loss : a. caused directly or indirectly by frost , cold weather , ice other than hail , snow or sleet , all whether wind driven or not ; b. to the interior of a dwelling or other structure , or to the property inside , caused by dust , rain , sand , sleet , snow or water ; This exclusion 2 . b. does not apply if the building covered , or containing the property covered , first sustains an actual damage to its roof or walls by the direct force of wind or hail . Then we pay for loss to the exterior or interior of the building , including the property in it , which is caused by dust , rain , sand , sleet , snow or water which enters the building through openings in the roof or walls made by the direct action of wind or hail . c. to watercraft except rowboats and canoes on the insured premises including their trailers , accessories , equipment and outboard motors unless such property is inside a fully enclosed building . 3 . Explosion . 4 . Riot or Civil Commotion . 5 . Aircraft : This includes self-propelled missiles or spacecraft and the objects falling from them . 6 . Vehicles : This includes only direct loss from actual physical contact of a vehicle with covered property . But , we do not pay under this peril for loss or damage to fences , driveways and walks . 7 . Sudden and Accidental Damage from Smoke : This does not cover loss caused by smoke from agricultural smudging or industrial operations . 8 . Vandalism or Malicious Mischief : This does not cover loss if the insured premises are vacant for more than 60 consecutive days immediately before the loss . A dwelling under construction is not considered vacant . This does not cover loss caused by vandalism or malicious mischief committed by an insured or tenant . *** Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you . 