Attention Iowans: Renters Insurance Policy Doesn’t Cover Your Meth Lab

We’re not sure what it is about Iowa, but for whatever reason a good bit of the news that we see come out of that state has to do with exploding meth labs. That’s not to say that everyone in Iowa runs a meth lab, or that meth labs are more common per capita in Iowa than they are in, let’s say, Nebraska or even California. It’s more likely a national media conspiracy to try to make Iowans look like they’re all meth heads. Then again, it could be a maneuver by the Iowa Department of Tourism to drum up interest in the state.

Regardless, no one likes to read stories like the recent one in Des Moines. According to officials in that town, a unit in River Hills Apartments exploded after a meth lab in one of the apartments went awry. Two men were injured inside the apartment, and while it’s not sure whether or not they had a renters insurance policy, what is certain is that meth lab fires wouldn’t be covered if they did.

There are plenty of other things your renters insurance policy isn’t going to cover, Iowans. Some of them include:

• Radiation poisoning from building a nuclear bomb. Chances are pretty good you can find instructions on the Internet as to how to build your own nuke. If you do get your hands on weapons-grade plutonium, however, rest assure that keeping it in your apartment probably violates your renters agreement, and also won’t be covered by your renters insurance.
• Damage caused by livestock. We’ve all heard the crazy laws that say you can’t keep a horse in a bathtub in Manhattan (or whatever it is). But turkeys and badgers are probably a bad idea for apartments in Iowa, too.
• Damage due to your landlord’s neglect. If your landlord doesn’t keep up on maintenance and a pipe breaks, ruining your stereo, there’s a good chance your insurance company is going to want you to try to collect for damaged from the landlord instead of them.

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