What coverage does renters insurance typically exclude?

Renters insurance typically excludes losses from earthquakes because standard policies are designed to cover personal belongings and general liability risks but do not include coverage for natural disasters like earthquakes. This exclusion exists because the potential for earthquake damage can vary significantly by geographic location, making it more challenging for insurers to set standard rates and cover such risks uniformly. As a result, many renters in areas prone to seismic activity may need to purchase additional coverage or a separate earthquake insurance policy to protect against those specific risks. On the other hand, personal property damage, liability for guest injuries, and coverage for temporary housing costs generally fall within the scope of what renters insurance is designed to protect against, making those options less applicable in the context of typical exclusions.