Does Renters Insurance Cover A Refrigerator?

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   David G. Pipes, CLU®, RICP®

   Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

   One of the main coverages in a renter’s policy is personal property.  If you own the refrigerator and it is damaged due to a “covered peril” the policy will pay the value minus your policy deductible.  There were several terms that need your attention; “covered peril” excludes normal wear and tear.  Another term is “value” as the way that is determined is governed by the policy and should be checked.

   Answered on May 12, 2014

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