What Does Renters Insurance Not Cover?

1. 

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   David Osgood

   Agent, Rural Mutual Insurance Co., Union Grove, WI

   A few of the exclusions under a typical renters insurance policy are:
   
   
   a. property covered by any scheduled insurance;
   
   b. animals, insects, birds, fish, worms and bees;
   
   c.
   motor vehicles including their parts and equipment;
   
   d.
   motorized vehicles including their parts and equipment, except those vehicles currently operational and used to service the insured premises;
   
   e.
   aircraft, including their tires, parts and equipment;
   
   f. property of roomers and boarders who are not
   insureds;
   
   g. trees, plants, shrubs and lawns; They are covered under the Incidental Coverage of this form; and
   
                             h. farm personal property.
   
   Please read your policy completely to understand the coverage provided and any exclusions that there may be.

   Answered on September 2, 2013

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