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Is Smoke Damage Covered by Renters Insurance?

Is Smoke Damage Covered by Renters Insurance?

You should always know the ins and outs of your insurance agreement before signing it, and renter’s insurance, this in-depth knowledge is vital.

Renters insurance guarantees that if any accidental damage occurs on your rented property, you have several types of coverage to protect against the potential losses.

When it comes to smoke damage, most renter’s insurance does cover it. However, there may be situations where the policy does not protect you or where reimbursements may vary.

You want to be aware of some of the potential loopholes to ensure you have adequate protection. So, let’s get into it.

What Doesn’t Renter’s Insurance Protect?

Thankfully, most renter’s insurance policies cover the majority of an average person’s needs. However, it’s still good to know of the few exceptions when signing an agreement.

There can be numerous reasons your renter’s insurance doesn’t cover smoke damage, so let’s look at a few of them:


In order to qualify for reimbursement, there has to be evidence beyond a reasonable doubt that the damage to your property was not intentional.

Therefore, if there is evidence of arson, indicating the damage was not accidental, your renter’s insurance will not cover the smoke damage.

Unlawful Manufacturing

Similar to the last point, renter’s insurance also doesn’t cover smoke damage if it resulted from illicit operations, industrial or otherwise. Often, these operations have to do with the production of illicit substances.

The reason renter’s policies won’t cover damages from these operations is due to the illegal nature of the activity itself.

Damage to the Property Itself

Because you are ultimately renting your home, renter’s insurance only covers your belongings on the property, not the property itself.

Property damage means there is less likelihood of returning to your residence, depending on the extent of the damage.

Losses That Exceed Your Premium

Your coverage depends on how much you pay for the premium. If any losses exceed the amount outlined in the terms of the agreement, the plan will not protect you against those surplus losses.

Therefore, even if your renter’s insurance covers smoke damage, you will only receive the amount paid for by your premium.

Person In A Shirt Holding A Pen Whilst Pointing To Insurance Papers

How Much Does Renters Insurance Reimburse You For?

Reiterating what was said above, your reimbursement depends on your renter’s insurance policy. The amount of money you pay monthly directly relates to how much reimbursement you could expect.

It is important to note that your insurance agreement may not cover losses that exceed your covered premium. Therefore, if you have valuables on your property, you should either make sure your plan covers those items or find another way to keep them safe from potential loss or damage.

What Should I Look for on My Renters Insurance Policy?

You can rely on most renter’s insurance policies to have the following kinds of coverage:

Personal Property Coverage

Personal property coverage protects the monetary value of your belongings. It applies in cases where an accident occurred, making it necessary to replace said belongings.

This type of protection is especially urgent when it comes to smoke damage. Smoke can permeate items easily and permanently, leading to both visible soot and invisible odor. Even if a fire or electrical charge does not mar every object, the residual smoke might.

Loss-of-Use Coverage

This term covers expenses in the event that you need to pay for a temporary residence elsewhere while your home undergoes restoration.

In situations of extreme fire and smoke damage, you’ll need to relocate temporarily. Residing with that kind of pollution can be uncomfortable and even dangerous to your health.

However, like all coverage, this safety net can only provide so much. If you’re in a situation of having to relocate permanently, you may only have coverage up to $5,000.

Liability Coverage

You can claim this part of your policy, even if you are responsible for the damage. The stipulation here is that the incident must be accidental. Because renter’s insurance doesn’t cover the property itself, this coverage is most useful for medical bills.


Your renter’s insurance should be a safety net that protects you and your belongings in case of an accident. If you should ever experience smoke damage, revisit your renter’s insurance agreement to confirm whether you have the protection you need.

If your rental home has sustained smoke damage, call the experts at All Dry USA. We will restore your home to its rightful condition.

Ben Suiskind
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