Question

Which of the following would likely be covered under homeowners insurance but NOT by renter's insurance?
A.Your basement floods, causing you to loose a valuable collection.
B. A burglar makes off with your laptop while you're out of town.
C. A tree branch breaks your bedroom window during a storm.
D. A fire destroys almost all your possessions

Answer 1

Hello there,

Statement:Which of the following would likely be covered under homeowners insurance but NOT by renter's insurance?

Answer: C. A tree branch breaks your bedroom window during a storm.

Explanation: A renters insurance consists of all the things that the renter owns but the owners insurance consists of all the damage that is done to the house itself and not the possessions. In this case, the tree destroys the window that is part of the house and not the renters possession, therefore its will come under the home owners insurance.  

Thanks for asking

Answer 2

Two types of insurances that are covered under homeowners insurance, but not under the renter’s insurance are:

Basement floods that cause acute loss to the structural integrity of the home and belongings inside the home.

The home owner insurance will cover the losses during storms

A tree branch breaks your bedroom window during a storm is covered in homeowners insurance.