I have attached a Condominium Renters policy sent to me by GEICO, underwritten by American Bankers Insurance.

The policy states that it covers personal property, but does not mention improvements.

When there is no mention of “improvements” in the policy, would the personal property coverage still cover the improvements made by the tenant or would coverage for improvements need to be specifically mentioned?

Hawaii Subscriber

In your policy under Additional Coverages it has section 10., Building Additions and Alterations. This is designed to provide coverage for improvements or betterments made at the expense of the insured to the parts of the premises used exclusively by the insured. This is where you find coverage for anything the tenant modifies to the actual building itself.

Coverage for contents alone, if the policy did not have the Additional Coverages section, would not provide coverage. Contents are moveable property; anything permanent to the building becomes part of the building once the resident leaves.