If you rent a house or an apartment, your landlord’s insurance only covers the cost to repair the building if there is a fire or other disaster. Your property losses, as well as your liability risks, are not covered. Your landlord’s insurance will also not be there for you in the event of a theft, either. A Renter’s policy will protect your belongings like clothing, furniture, electronics, and other valuables. Equally as important, this policy will protect you if you are liable for injury or damage to someone else or their stuff.
Some important coverage options to consider include: