What factor is NOT typically covered under renters insurance?

Renters insurance generally covers personal property damage, liability losses, and medical expenses incurred due to injuries to guests. However, natural disasters are frequently excluded from standard renters insurance policies. This is because certain natural disasters, such as floods and earthquakes, often require separate policies or endorsements.

It is crucial for renters to understand the specific coverage details and limitations of their policy, as relying on standard renters insurance might leave them unprotected against these significant, often devastating events. Therefore, the exclusion of natural disasters from typical renters insurance highlights the importance of reviewing policy details and considering additional coverage options when necessary.