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.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
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.
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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.