*Loan,banking and credit>>>renters insurance

Why bother with renter insurance when they will deny your claim or not pay what you lost?

Renters Insurance, like any other kind of insurance, pays for COVERED LOSSES (over your deductible) only at a depreciated value more times than not. As each policy is different, it's up to YOU the policyholder to know what is and isn't covered.

Also...if you didn't have the necessary rider to your policy, this may explain why they didn't pay what you lost.

So it sounds to me 1) you didn't have a covered loss, 2) your loss didn't exceed your deductible, or 3) you didn't have the proper rider.

Your insurance company will not deny a claim that falls within their guidelines. Read the fine print, compare various insurance companies and think about what is it that needs insurance. Many renters lose everything they own because of fire or fire damage. If you want replacement value your premiums will be higher.
If you choose to buy insurance,TAKE PICTURES OR VIDEO of your valuables and KEEP IT OUTSIDE OF YOUR RESIDENCE!! A safety deposit box in a bank is perfect.
They only deny your claim if it's not covered. They pay what you lost, based on YOUR inventory.