{"id":180,"date":"2026-09-30T12:00:00","date_gmt":"2026-09-30T18:00:00","guid":{"rendered":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/?p=180"},"modified":"2026-09-22T09:09:29","modified_gmt":"2026-09-22T15:09:29","slug":"what-happens-if-you-don-t-have-renter-s-insurance","status":"publish","type":"post","link":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/what-happens-if-you-don-t-have-renter-s-insurance\/","title":{"rendered":"What Happens If You Don’t Have Renter’s Insurance?"},"content":{"rendered":"

Renters insurance in Asheville, NC ensures you’re covered if something happens and you’re renting a property. Standard homeowner coverage won’t provide coverage for your personal belongings or if you need somewhere to stay, which is where these policies come in handy. <\/span><\/span><\/span><\/p>\n

What Does Renter’s Insurance Cover?<\/span><\/span><\/span><\/h3>\n

Policies typically cover your personal belongings up to coverage limits. This includes things like furniture, clothing, shoes, dishes, appliances, etc. Many policies also provide coverage for temporary living expenses, such as the cost of a hotel room or additional groceries you need while you can’t live in your home. An agent at Asheville Insurance Center can help you learn more about what your policy covers. <\/span><\/span><\/span><\/p>\n

Common Exclusions<\/span><\/span><\/span><\/h3>\n

Every policy also has common exclusions. Most policies exclude damage intentionally caused by the policyholder or someone who lives in the home. Some policies exclude damage from pets or certain events. It’s always important to read the fine print on your policy and purchase additional coverage if you need to. <\/span><\/span><\/span><\/p>\n

What If Your Policy Lapses?<\/span><\/span><\/span><\/h3>\n

If your renters insurance policy lapses, or you don’t have one, it means that you’ll have to pay out of pocket for everything. You’ll have to use your money to replace personal belongings and pay for temporary lodging, and there isn’t coverage to reimburse you. The policies that landlords carry will only cover structural damage to the home if there’s a covered event, which is why it’s crucial to obtain personal coverage for your things. <\/span><\/span><\/span><\/p>\n

It’s always important to purchase a policy before a crisis happens. Contact one of the agents here at Asheville Insurance Center to learn more about your options. We’re currently serving the Asheville, NC area. <\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Renters insurance in Asheville, NC ensures you’re covered if something happens and you’re renting a property. Standard homeowner coverage won’t provide coverage for your personal belongings or if you need somewhere to stay, which is where these policies come in handy.  What Does Renter’s Insurance Cover? Policies typically cover your personal belongings up to coverage […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[29,13,28,30,27],"class_list":["post-180","post","type-post","status-publish","format-standard","hentry","category-renters-insurance","tag-asheville","tag-asheville-insurance-center","tag-insurance","tag-nc","tag-renters"],"_links":{"self":[{"href":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/wp-json\/wp\/v2\/posts\/180","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/wp-json\/wp\/v2\/comments?post=180"}],"version-history":[{"count":1,"href":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/wp-json\/wp\/v2\/posts\/180\/revisions"}],"predecessor-version":[{"id":181,"href":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/wp-json\/wp\/v2\/posts\/180\/revisions\/181"}],"wp:attachment":[{"href":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/wp-json\/wp\/v2\/media?parent=180"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/wp-json\/wp\/v2\/categories?post=180"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/wp-json\/wp\/v2\/tags?post=180"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}