# Day 8 with no electricity: Renter's rights?

**URL:** <https://boards.straightdope.com/t/day-8-with-no-electricity-renters-rights/477907>\
**Category:** Factual Questions\
**Created:** [December 19, 2008, 3:08pm UTC](https://boards.straightdope.com/t/day-8-with-no-electricity-renters-rights/477907 "2008-12-19T15:08:00Z")\
**Posts on this page:** 1\
**Showing post:** 68

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**Author:** ![Gfactor](https://avatars.discourse-cdn.com/v4/letter/g/9de053/32.png) [@Gfactor](https://boards.straightdope.com/u/Gfactor)\
**Post date:** [December 22, 2008, 7:03pm UTC](https://boards.straightdope.com/t/day-8-with-no-electricity-renters-rights/477907/68 "2008-12-22T19:03:16Z")

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> [@atomicbadgerrace](#):
>
> I just can’t imagine why you would want to do that, rather than carry renter’s insurance for situations like this.

Does renter’s insurance cover power failure?

> [@](#):
>
> What is not covered?  
> It should go without saying that losses caused by any other event are not covered. However, most renters insurance policies go a step further, listing specific events which the policy does not cover. Typical exclusions include:
> 
> ```
> * Enforcement of building codes and similar laws
> * Earthquakes
> * Flooding
> * Power failure
> * Neglect
> * War
> * Nuclear hazard
> * Intentional acts
> 
> ```

[Renters](http://www.agencyinfo.net/iv/homeowners/types/renters.htm)

[http://www.rentersinsurance.com/wp-content/uploads/2008/11/outline\_of\_coverage.pdf?PHPSESSID=70f287ec83eb28e0f35ae7e2a137d733](http://www.rentersinsurance.com/wp-content/uploads/2008/11/outline_of_coverage.pdf?PHPSESSID=70f287ec83eb28e0f35ae7e2a137d733)

[http://www.amfam.com/pdf/insurance/home/06767.pdf](http://www.amfam.com/pdf/insurance/home/06767.pdf) ($250 for loss of frozen or refrigerated goods)

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