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.

3,250 USD Median of the published figures unchanged since 25 Sept 2026 middle half 525 to 76,250 USD
200 to 100,000 USD Range a 99,800 USD spread; quartiles 525 and 76,250
4 Sources with a figure of 22 read in full, 26 Sept 2026
4 of 22 Sources read that publish one 18% publish a figure at all
  1. State Farm: how much renters insurance do I need100,000 USD
  2. The Hartford (AARP) homeowners insurance coverage5,000 USD
  3. GEICO: does renters insurance cover storage units1,500 USD
  4. GEICO: does renters insurance cover stolen cash200 USD
One figure per source, highest first.median 3,250 USD
Table view
RowValue
State Farm: how much renters insurance do I need100,000 USD
The Hartford (AARP) homeowners insurance coverage5,000 USD
GEICO: does renters insurance cover storage units1,500 USD
GEICO: does renters insurance cover stolen cash200 USD

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

BreakdownMedianRangeSources
peril deductible waiver benefit5,000 USD5,000 to 5,000 USD1
peril personal liability limit100,000 USD100,000 to 100,000 USD1
peril theft of cash sub-limit200 USD200 to 200 USD1
peril jewellery and valuables sub-limit1,500 USD1,500 to 1,500 USD1

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.

SourceFigureBreakdownRead
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)

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.

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)
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/.

Embed this figure (plain HTML, no scripts)

200 to 100,000 USD

4 published figures, Policy Coverage Matrix, across 4 sources, read 26 September 2026

Source: HomeCover HQ Policy Coverage Matrix

Download the CSV (4 rows, computed 2026-09-26)

Get free insurance quotesCompare rates with an agent