There are many reasons that renters insurance may be denied
and so it is up to the renter to be aware of their rights. One reason that insurance may be denied is that you have no home inventory. This means that for whatever you own you must have a receipt, otherwise, you can't claim a payout for it. Furthermore, receipts don't just mean physical store receipts. Appraisals and digital receipts can also qualify. Another reason may be that the person trying to claim the insurance is not listed under the policy. Each member must be covered under the insurance policy to claim it. Other reasons people get denied is because they have not updated their insurance policy, for example, if they moved and never changed their address, they wait too long to claim their insurance, or they don't know their policy well and don't realize that some disasters are not covered under their insurance policy. An example is a flood.