What Will Renters Insurance Not Cover? 
Like other personal property insurance policies , renters insurance will cover a a rather broad range of possible perils . You will find , however , that in many if not all cases in your state , there are two causes of loss that will be excluded from coverage . The first is damage caused by earth movement , any earth movement . This can include but not be limited to such things as erosion , sink holes and earth quakes . Talk to your insurance professional , however , about having this coverage endorsed onto your policy if you are concerned . The second is damage by Flood . There is no endorsement for this . Flood coverage is only available by purchasing a Flood Insurance policy . 