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How To Know If Your Renters Insurance Will Cover a Broken TV

Does renters insurance cover a broken tv
Written by Okosun John

Does renters insurance cover a broken tv? Here is an expert answer and also how to know if your personal belongings are covered.

Does renters insurance cover a broken tv? Here is an expert answer and also how to know if your personal belongings are covered.

A broken TV may seem like an easy fix at first, but if it’s not covered by your renters insurance, that repair could end up costing you plenty more than the actual television set itself.

Here’s how to know if your renters insurance will cover a broken TV, and what to do if it doesn’t.

Before you continue, here are other helpful guides;

What Is Renters Insurance?

Renters insurance is a type of insurance designed to protect tenants from damage to their personal belongings or property, as well as liability for any injuries that occur on the premises.

In most cases, renters insurance will cover a broken TV if it is the result of an accident or natural disaster. However, there are some exceptions to this rule.

For example, if the TV is damaged due to negligence on the part of the tenant (such as leaving it in an unprotected area), then the insurance company may not cover the cost of repairs or replacement.

What Does It Cover?

Renters insurance covers your personal belongings in the event of damage or theft. So, if your TV is damaged or stolen, your renters insurance would likely cover the cost of replacing it. However, there are some caveats.

For example, most policies have a limit on how much they will pay out for electronics, so if your TV is especially expensive, you may only be covered for a portion of the cost.

Additionally, many policies exclude coverage for damage caused by neglect or abuse, so if you accidentally break your TV, you may not be covered.

What Doesn’t It Cover?

Renters insurance generally covers your personal belongings in the event of theft, damage from weather events, fire, and other covered disasters.

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However, there are some things that it doesn’t cover. For example, it generally won’t cover damage that is caused by your own negligence, such as leaving your TV on during a storm. Additionally, it likely won’t cover intentional damage, such as if you break your TV in a fit of anger.

Plus, standard renters insurance policies have limits on how much they will pay out for certain items, so if you have an expensive TV, it may only be partially covered.

What Are the Typical Questions Asked When Purchasing Renters Insurance?

Renters insurance is one of those things you hope you never have to use, but it’s there for peace of mind in case something bad does happen.

When it comes to deciding how much coverage you need, it’s important to consider what your policy will and won’t cover. Here are some common questions people ask when purchasing renters insurance:

  1. Does my policy cover theft?
  2. What about damage from weather events?
  3. What if I accidentally break something?
  4. Do I need extra coverage for high-value items?
  5. How much does renters insurance cost?
  6. How do I file a claim?
  7. What happens if I need to move?

Where Can I Get Good Rates on My Own Policy?

There are a few things you need to know in order to get the best rates on your renters insurance policy. First, what is covered and what isn’t? Most policies will cover your personal belongings in the event of theft, fire, or water damage.

However, they typically won’t cover damage caused by something like an earthquake or flooding. For that kind of coverage, you’ll want to consider flood insurance.

Secondly, how much liability coverage do I need? Liability coverage insures against any lawsuits filed due to injury or property damage caused by negligence on your part as a renter.

The cost varies depending on where you live and the amount of liability protection available from state laws; however most policies offer between $100K-300K worth of protection for around $15-$25 per month (or about $200-$400 per year).

What Else Do I Need to Know About Renter’s Coverage?

Renters insurance is important for anyone who doesn’t own their home. It protects your belongings in case of damage or theft, and can also provide liability coverage if someone is injured while in your home.

But what does renters insurance actually cover? And how do you know if you’re getting the right amount of coverage?

Here are some things to consider when it comes to whether or not renters insurance will cover a broken tv:

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A general rule of thumb is that any item worth more than $1,000 will require an additional policy called an endorsement.

You’ll have to buy this additional coverage on top of your basic homeowners policy.
If you have separate coverage through another policy like car insurance, then this will be included as part of your total protection package.

However, it’s still worth checking with the agent just in case because endorsements might not always apply for situations like robbery.

Where Can I Get More Information on Renter’s Coverage?

If you’re not sure whether your renters insurance policy will cover a broken TV, the best thing to do is check with your insurance company.

You can also find more information on renters coverage by visiting the website of the National Association of Insurance Commissioners. Here, you’ll be able to find out more about what kind of coverage is available and what it typically covers.

You can also get quotes from different insurers to compare rates and coverage options. And for any items that are covered by your renter’s insurance but don’t make the cut for other kinds of homeowners’ or auto policies, like jewelry or artwork, make sure to read up on those policies too.

Conclusion: Does Renters Insurance Cover a Broken TV?

Renters insurance typically covers damages caused by accidental events, like a broken television. However, there are some exceptions to this rule.

For example, if the damage was caused by your negligence, then it may not be covered. So, it’s important to read your policy carefully and know what is and isn’t covered before you make a claim. If you have any doubts about whether or not an event is covered, always contact your insurer.

If you’re unsure about something in your policy, don’t hesitate to ask!


Is your renter’s policy meant for personal possessions?

Most policies have personal property coverage, which means your belongings are covered whether you’re at home or away from home.

So, if your TV is broken while you’re on vacation, your renters insurance will likely cover it. However, there are some restrictions to personal property coverage. For example, most policies have a limit on how much they’ll pay out for electronics.

So, if you have a $500 television, but your policy only covers up to $250 for electronics, you’ll have to pay the difference out of pocket.

Does it provide protection while on vacation?

You’re all packed and ready for your much-anticipated vacation. But then you remember – you have to cancel your renters insurance!

That’s because your policy only provides protection while you’re living in your rental unit.

So if something happens to your belongings while you’re away, you’ll be responsible for the repairs or replacements.

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Does the item you want covered require special coverage?

Renters insurance usually covers your personal belongings in the event of damage or theft, but there are some exceptions.

For example, most policies won’t cover damage caused by floods or earthquakes. And, if you have valuable items like jewelry or art, you may need to purchase additional coverage.

Make sure you read the fine print on your policy before making any decisions about what is covered and what isn’t.

How much will it cost you in monthly premiums?

Renters insurance typically costs between $15 and $30 per month, depending on the value of your belongings and the amount of coverage you need.

Most policies have a deductible, or the amount you must pay out of pocket before your insurance company steps in, of $500 or $1,000.

So, if you have a $500 deductible and your TV is damaged beyond repair, you would be responsible for paying the first $500 of the repair or replacement cost.

Is there any deductible you must pay out of pocket first?

If you’re wondering whether your renters insurance will cover a broken TV, the answer may depend on the circumstances.

For example, if the TV was damaged by a covered event like a fire or theft, then it would likely be covered.

However, if the damage was caused by something like negligence or normal wear and tear, it probably wouldn’t be covered.

Does homeowners insurance cover broken tv screen?

Homeowners insurance covers broken windows and other accidental glass damage. But what about a broken television screen? While your homeowners policy may cover some types of screen damage, it probably won’t cover all of it.

For example, according to the company Allstate (which offers a separate renters insurance product), Depending on the coverage you have chosen with Allstate’s renter’s insurance products*, you may be able to get up to $500 in additional coverage for your belongings.

So while you might be covered for something like breaking the television with an unintentional act such as tripping over the cord or dropping something heavy on it, if you break the tv intentionally (say by throwing something at it) then there’s no chance that you’ll be covered by your homeowners policy.

About the author

Okosun John

A B.Eng. holding mechanical engineer with love for content creation and web development.