What Does Renters Insurance Not Cover? 
A few of the exclusions under a typical renters insurance policy are : a. property covered by any scheduled insurance ; b. animals , insects , birds , fish , worms and bees ; c. motor vehicles including their parts and equipment ; d. motorized vehicles including their parts and equipment , except those vehicles currently operational and used to service the insured premises ; e. aircraft , including their tires , parts and equipment ; f. property of roomers and boarders who are not insureds ; g. trees , plants , shrubs and lawns ; They are covered under the Incidental Coverage of this form ; and h. farm personal property . Please read your policy completely to understand the coverage provided and any exclusions that there may be . 