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What doesn’t my renter’s insurance cover?

If you’re working from home, you would need to apply for a separate insurance policy.

Your insurance policy might not cover damage caused by certain natural disasters such as floods – in a flood prone area – although it will cover water damage due to a broken pipe in your rental property. Be sure to confirm this with your insurance company.

Business-related losses: if you’re working from home, you would need to apply for a separate insurance policy which covers losses or damages to any business-related occurrences.

Insects: make sure that your policy covers damages as a result of rats, insects or even mould. You would not want to add that to your list of worries.

Things to consider and remember when looking at renter’s insurance

Will I be able to afford renter’s insurance and is it worth it?