Audit Renters Insurance for Overlooked Coverage Gaps

Cost Savings

Checklist Tasks

• List all high-value items with serial numbers and estimated values.
• Photograph each room and valuables for visual claim documentation.
• Check if water damage from above (e.g., neighbor leaks) is covered.
• Confirm loss of use coverage to pay for temporary housing if needed.
• Review liability limits and increase if your lease requires higher coverage.
• Ask if theft from your car at home is covered under your policy.
• Verify coverage for damage caused by roommates or guests.
• Check pet damage exclusions and add a rider if your pet is not covered.
• Request written confirmation that your landlord is listed on your policy.
• Review your deductible to ensure it is affordable in an emergency.
• Confirm policy covers replacement cost value, not just actual cash value.
• Ask about coverage for property stored in off-site locations.