Understanding the difference between renters' insurance and what your landlord's insurance covers is fundamental to being fully protected. Most landlords’ insurance only covers the building’s structure, including the roof, ceiling and walls if damaged by a storm, frozen burst pipes or vandalism. Everything else, including your possessions, is covered by renters’ policies.
Renters insurance covers your belongings against being stolen or damaged. It protects your furniture, clothing, electronics, appliances and virtually everything in the home that belongs to you.
Coverage for the items you treasure most, so if they’re damaged, you’re compensated.
Coverage for your belongings against being stolen or damaged.
Coverage for bodily injury and property damage to others.
Coverage for expenses incurred by a hotel stay in the event of damages resulting in unlivable conditions.
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