Clean white mattress with a magnifying glass on the corner, illustrating whether renters insurance covers bed bugs

Close-up of a rental apartment bathroom with a small mold spot near the window — does renters insurance cover mold damage

A living room television with a cracked screen illustrating whether renters insurance covers broken TV accidental damage.

Water-damaged ceiling with bucket catching drips — does renters insurance cover water damage from upstairs neighbor

By Laurel C. Yazzie | Last reviewed: April 2026What Does Renters Insurance Not Cover?You come home to find your apartment flooded after a heavy storm. You file a renters insurance…