Covered elsewhere

Rising water, aka "flood" – this is covered by a flood insurance policy from the National Flood Insurance Program, which we're unfortunately unable to offer.

Roommates – if they are not co-owners of your personal property, they should get their own policy. It's just $5. If they have a claim, you don't want that on your record, and things get messy when people move.

Vehicles, powered boats, electric scooters, aircraft – these should be insured with a dedicated policy, as Renters Insurance is not designed for powered vehicles. Electric-assist bikes are still covered as bicycles though.

Risks we can't cover

Certain risk types simply don’t fit within our price-to-coverage model, so we and our capital partners decline to cover certain things, such as home daycare businesses, households with four or more dogs, and liability for certain breeds of dogs. During sign up we’ll clear this list with you to make sure you can join.

Impossible to insure

Certain risks such as wars, nuclear hazards, government seizures, injuries and damage intended by the insured, asbestos, and even plain old lack of maintenance break the math that makes insurance work. These events are either so catastrophic, so hard to predict, or so blatantly against the spirit of the policy that there's no way we could ever collect enough premium to cover them.