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Renters insurance protects you and your belongings if the unexpected happens. Your landlord is only responsible for covering the building. You are responsible for your personal belongings and the liability.
Renters Insurance Coverages
Personal Property Coverage
You're responsible for insuring and protecting your personal property inside your rental home/apartment. Your policy can cover things such as electronics, appliances, furniture and clothing.
Temporary/Additional Living Expenses
Some renters policies even cover extra expenses if your home/apartment is uninhabitable livable due to a covered loss.
Injuries And Lawsuits Against You
Even though you're only renting the property you can still be held liable for injuries or medical expenses if someone is injured on or in your residence. It's always smart to make sure you have coverage to protect yourself in these situations.
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