Does renters insurance cover power outage (4 sources)
The Policy Coverage Matrix carries 4 published figures read from 4 sources' own pages, from 200 to 100,000 USD, read 26 September 2026.
4 of the 22 named sources read in full publish a figure; 18 publish none, read 26 September 2026.
The median is unchanged since 25 September 2026 (was 3,250 USD across 4).
By peril
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| peril deductible waiver benefit | 5,000 USD | 5,000 to 5,000 USD | 1 |
| peril personal liability limit | 100,000 USD | 100,000 to 100,000 USD | 1 |
| peril theft of cash sub-limit | 200 USD | 200 to 200 USD | 1 |
| peril jewellery and valuables sub-limit | 1,500 USD | 1,500 to 1,500 USD | 1 |
Every figure, with its source
One row per source: the figure the source's own page publishes, the page, and the day it was read. A figure that is not on a page we read is not on this one.
| Source | Figure | Breakdown | Read |
|---|---|---|---|
| State Farm: how much renters insurance do I need | 100,000 USD | personal liability limit | 2026-09-12 |
| The Hartford (AARP) homeowners insurance coverage | 5,000 USD | deductible waiver benefit | 2026-09-12 |
| GEICO: does renters insurance cover storage units | 1,500 USD | jewellery and valuables sub-limit | 2026-09-12 |
| GEICO: does renters insurance cover stolen cash | 200 USD | theft of cash sub-limit | 2026-09-12 |
The sentence each figure was read from (4)
- State Farm: how much renters insurance do I need, read 2026-09-12:
The typical renter’s insurance policy offers $100,000 in liability coverage.
- The Hartford (AARP) homeowners insurance coverage, read 2026-09-12:
ProtectorPLUS Zero Deductible Benefit coverage waives the homeowners insurance deductible (up to $5,000) if your home is severely damaged by a qualifying loss of $32,900 or more.
- GEICO: does renters insurance cover storage units, read 2026-09-12:
Even within that 10% storage coverage, items like jewelry, engagement rings, coins, and firearms often have lower individual sub-limits. For example, jewelry might be limited to $1,500, coins to $200, and firearms to $2,500.
- GEICO: does renters insurance cover stolen cash, read 2026-09-12:
GEICO renters insurance typically covers loss of cash due to theft, but reimbursement is capped at a low dollar amount—usually $200 or less per claim—regardless of how much cash was stolen.
Read in full, publishes no figure
18 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- Lemonade: does renters insurance cover mold, read 2026-09-12: every candidate on the page was refused
- GEICO: does renters insurance cover mold damage, read 2026-09-12: read in full and no accepted figure on the page
- GEICO: does renters insurance cover burglary, read 2026-09-12: every candidate on the page was refused
- GEICO renters insurance FAQ, read 2026-09-12: every candidate on the page was refused
- State Farm renters insurance coverage options, read 2026-09-12: read in full and no accepted figure on the page
- State Farm: personal property and casualty insurance, read 2026-09-12: every candidate on the page was refused
- Allstate: types of homeowners insurance policy forms, read 2026-09-12: read in full and no accepted figure on the page
- Nationwide: does homeowners insurance cover foundation repair, read 2026-09-12: read in full and no accepted figure on the page
- Liberty Mutual: does renters insurance cover roommates, read 2026-09-12: every candidate on the page was refused
- Hippo: what does homeowners insurance cover, read 2026-09-12: read in full and no accepted figure on the page
- USAA renters insurance coverage, read 2026-09-12: read in full and no accepted figure on the page
- Farmers: what does renters insurance cover, read 2026-09-12: read in full and no accepted figure on the page
- Openly: what dog breeds affect homeowners insurance, read 2026-09-12: every candidate on the page was refused
- Wisconsin OCI Consumer's Guide to Homeowners Insurance (PI-015), read 2026-09-12: read in full and no accepted figure on the page
- Florida OIR homeowners insurance, read 2026-09-12: read in full and no accepted figure on the page
- Minnesota Statutes 65A.303 (dog breed underwriting), read 2026-09-12: read in full and no accepted figure on the page
- Goosehead: dog breed restrictions, read 2026-09-12: every candidate on the page was refused
- the perils, the forms and the carriers that answer them, read 2026-09-12: read in full and no accepted figure on the page
Methodology
Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2).
4 of the 22 named sources that could be read published a usable figure; 18 published none and are recorded as not published, never filled in; 2 could not be read (blocked, dead or unreachable) and count nowhere.
The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in USD (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 25 candidate sentence(s) were refused by a reviewer with the reason recorded.
Derivation as chartered: one cell per peril per policy form per carrier: covered, excluded, sub-limited (with the sub-limit) or endorsement-only, each quoted from the carrier's own page or the state guide that describes the form.
Nobody publishes this join: carriers answer one peril at a time on separate pages and regulators describe the ISO forms without naming carriers.
The derived figures are the count of carriers that cover a given peril at all, the range of sub-limits on the perils that carry one (theft of cash, jewellery, electronics, pet damage, water backup), which perils no standard form covers anywhere (flood, earthquake, gradual mould, wear), and the carriers whose wording changed between reads.
25 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (24)
- Lemonade: does renters insurance cover mold (the publisher's own terms; quoted for reporting and comment)
- GEICO: does renters insurance cover mold damage (the publisher's own terms; quoted for reporting and comment)
- GEICO: does renters insurance cover burglary (the publisher's own terms; quoted for reporting and comment)
- GEICO: does renters insurance cover stolen cash (the publisher's own terms; quoted for reporting and comment)
- GEICO renters insurance FAQ (the publisher's own terms; quoted for reporting and comment)
- GEICO: does renters insurance cover storage units (the publisher's own terms; quoted for reporting and comment)
- State Farm renters insurance coverage options (the publisher's own terms; quoted for reporting and comment)
- State Farm: how much renters insurance do I need (the publisher's own terms; quoted for reporting and comment)
- State Farm: personal property and casualty insurance (the publisher's own terms; quoted for reporting and comment)
- Allstate: types of homeowners insurance policy forms (the publisher's own terms; quoted for reporting and comment)
- Nationwide: does homeowners insurance cover foundation repair (the publisher's own terms; quoted for reporting and comment)
- Nationwide: what does renters insurance cover (the publisher's own terms; quoted for reporting and comment)
- Liberty Mutual: does renters insurance cover roommates (the publisher's own terms; quoted for reporting and comment)
- Hippo: what does homeowners insurance cover (the publisher's own terms; quoted for reporting and comment)
- The Hartford (AARP) homeowners insurance coverage (the publisher's own terms; quoted for reporting and comment)
- USAA renters insurance coverage (the publisher's own terms; quoted for reporting and comment)
- Farmers: what does renters insurance cover (the publisher's own terms; quoted for reporting and comment)
- Openly: what dog breeds affect homeowners insurance (the publisher's own terms; quoted for reporting and comment)
- Wisconsin OCI Consumer's Guide to Homeowners Insurance (PI-015) (the publisher's own terms; quoted for reporting and comment)
- Florida OIR homeowners insurance (the publisher's own terms; quoted for reporting and comment)
- Minnesota Statutes 65A.303 (dog breed underwriting) (the publisher's own terms; quoted for reporting and comment)
- NAIC property data call: homeowners policy form definitions (the publisher's own terms; quoted for reporting and comment)
- Goosehead: dog breed restrictions (the publisher's own terms; quoted for reporting and comment)
- the perils, the forms and the carriers that answer them (the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
Cite or embed this figure
The Policy Coverage Matrix carries 4 published figures read from 4 sources' own pages, from 200 to 100,000 USD, read 26 September 2026.
4 of the 22 named sources read in full publish a figure; 18 publish none, read 26 September 2026.
Policy Coverage Matrix, peril deductible waiver benefit: median 5,000 USD across 1 source, read 26 September 2026.
Policy Coverage Matrix, peril personal liability limit: median 100,000 USD across 1 source, read 26 September 2026.
Policy Coverage Matrix, peril theft of cash sub-limit: median 200 USD across 1 source, read 26 September 2026.
Policy Coverage Matrix, peril jewellery and valuables sub-limit: median 1,500 USD across 1 source, read 26 September 2026.
The median is unchanged since 25 September 2026 (was 3,250 USD across 4).
Cite as: "HomeCover HQ Policy Coverage Matrix", updated 2026-09-26, https://homecoverhq.com/datasets/policy-coverage-matrix/.
Download the CSV (4 rows, computed 2026-09-26)