Is Crazy A Covered Peril On Renters Insurance?

The question you’ve all been waiting for… Is “crazy” a covered peril on renters insurance?  Of course we’re approaching this a bit broadly, but it’s an interesting question. From time to time, people do ridiculous things in response to certain situations. These responses can often cause these people to be viewed as “crazy”. Whether or not that’s the case, these crazy responses are surprisingly covered perils.

McKenzie, who has Baltimore renters insurance, had a disagreement with her boyfriend.  The disagreement escalated, and although no injuries were reported, he left in a hurry. To blow off some steam, McKenzie decided to go out with some friends. Much to her dismay, when she returned later that night she realized that her boyfriend had been back to her apartment. Her stereo was smashed, her MacBook was missing, and her car was gone. This is a clear case of crazy. Aside from the car, which isn’t covered by renters insurance, McKenzie wants to know if her renters insurance would cover her stolen and damaged belongings.

Is Crazy A Covered Peril On Renters Insurance? Theft…

It’s fairly simple, theft is a covered peril on renters insurance.  This means that, subject to the limits of the policy, stolen items can be replaced by the policy. Generally, the stolen property would be covered under the peril of theft.

Is Crazy A Covered Peril On Renters Insurance? Vandalism…

Overall, vandalism and malicious mischief is a covered peril.  This means that McKenzie’s smashed stereo or any other damaged property, are covered losses.  When someone vandalizes your property, there’s a covered peril for that.  In reality, most forms of crazy fall under these two perils.  Fire, of course, is another covered peril that might be applicable here.

Ultimately, “crazy” is not a covered peril, but the results of crazy often fall under the list of things your renters insurance will pay for.  It doesn’t matter that someone you know caused the damage, it matters that the damage was caused and needs to be repaired.

To find out more about what’s covered, contact Effective Coverage at (800)892-4308 or click above for renters insurance quotes online.