What Will Renters Insurance Not Cover? 
You really need to turn this one around and focus on what renters insurance does cover . Then , you can analyze your needs and interests in relation to what is covered and what is not and make your decisions accordingly . If you feel that you have a need for protection for something that does not appear to be covered in the policy , you might be able to add it through an endorsement , for an additional sum of money . An independent local agent can help you with this type of assessment . I think you will find that renters insurance coverage is fairly broad for many typical loss types in relation to renting , including often overlooked but very important liability coverage . 