Care for your Coverage
Your Personal Belongings
While your landlord should have insurance coverage for the building in which you live, you need to be aware that that coverage does not extend to protect your personal possessions. Renters insurance provides protection for your furniture and personal possessions - at home or away from home - against damage from such hazards as fire, lightning, windstorm, hail, explosion, smoke, vandalism, and plumbing leakage. A renters insurance policy also protects your property against practically every type of theft loss in your apartment or anywhere in the world.
Stuff happens...and sometimes it's not always good. In the event that you are sued, your renter's personal liability protection helps to cover the associated legal costs and related damages. Most renters insurance policies provide $100,000 (minimum) of financial protection against liability claims and lawsuits brought by others for accidental bodily injury or damage to their property:
While in your apartment
Caused by your personal activities, including most sports
Caused by your children or pets.
If you are forced out of your apartment by a covered hazard, renters insurance can pay you additional living expenses (hotel, meals, laundry, etc.) while your damaged apartment is being repaired.
Other Renters Insurance Coverages
Jewelry & Art