Does Renters Insurance Cover a Broken TV?

More than likely, your management company or landlord has insurance for the home or building you live in. This home insurance covers perils like hurricane and fire damage. This is great peace of mind for them, but it will not offer any coverage for your personal property and furnishings inside. For this, you need personal property coverage from an insurance company with your protection in mind.

Can you afford to replace everything and meet your immediate needs without insurance? Probably not. You can get covered with renters insurance. What does it actually cover, though? Does renters insurance cover broken TVs? Pronto Insurance can answer all of your questions relating to what a policy covers in the event of a claim.

Table of Contents

• What Is Renters Insurance?
• When Does Renters Insurance Cover Broken TV?
• What Is Typically Not Covered by Renters Insurance?

What Is Renters Insurance?

You can protect all of your belongings affordably with renters insurance from Pronto Insurance. A renters insurance policy is designed to help protect renters living in a house or apartment. The typical renters insurance policy includes coverage that helps to protect you, your belongings, and your living arrangements after a covered loss. 

The insurance policy covers damage and will handle the costs for repairs or replacement of many different kinds of things. Our rental insurance package includes coverage for:

Replacement Costs of Your Belongings

Jewelry

Firearms 

Collectable

Other Valuables

Debris Removal

Property Removal

Temporary Repairs

You may notice that “other valuables” is a bit vague. Remember, there are coverage limits. Who says what is valuable and therefore what is covered?

When Does Renters Insurance Cover Broken TV?

Does renters insurance cover damaged TVs? Yes, but your specific renter insurance policy will determine whether it will or won’t be covered, how much coverage you get, and which circumstances apply.

You can file a claim with your insurance policy if the damage is due to a covered peril. Your specific policy will list the covered events for you. In general, they include fire, explosions, and theft. In the event of a catastrophic fire in your apartment, it’s a pretty good bet your TV will stop working. In this case, a destroyed TV would be replaced. 

What Is Typically Not Covered by Renters Insurance?

There are some scenarios in which you’re on your own paying for a broken TV. Accidental damage and regular wear and tear are not covered perils. Something like dropping your TV when you move in or throwing a game controller at it during a rage quit would not be covered. Your TV also won’t be covered by your renters insurance policy if it is very old and simply stops working one day.

You wouldn’t dream of driving your car without car insurance. The same mindset should apply to rental insurance! Contact your insurer to learn more about this coverage and find the right coverage options for your living situation. We’ll make sure you only pay for the coverage you need, nothing more and nothing less.