A renters insurance policy is a group of coverages designed to help protect you and your belongings. A typical renters insurance policy includes liability coverage, protection for your belongings and coverage for additional living expenses, should the home you are renting become temporarily uninhabitable. While you may not always be able to prevent certain situations, such as break-in or visitor's injury, renters insurance, sometimes referred to as "tenant insurance," may help minimize the impact, whether you are renting a single-family home or apartment.
Standard types of renters Coverage
If a household member is responsible for someone else's injury or damaged property, liability coverage can cover you up to your policy's limits.
Your personal property, such as furniture, appliances, clothing and electronics, is covered up to a specified limit if lost or damaged in a covered incident.
Loss of Use
Also known as "additional living expenses," loss of use coverage can pay for meals and hotel costs if can't live in your home because of a covered loss.