Renter’s insurance can cover:
1- Personal property : Renters coverage can help you replace your belongings after a covered incident in your home, such as a fire or burglary. It also protects your belongings anywhere in the world, from the trunk of your car, out of your backpack, or at a hotel.
2- Personal liability : If someone is injured in your apartment and they blame you or someone covered by your policy, liability coverage will pay your legal expenses.
3- Medical payments : Your renter’s policy can cover medical payments if a guest or visitor is injured on your property, though it generally doesn’t cover injuries to you or other household members.
4- Property damage to others : Rental insurance coverage follows you wherever you go, if you accidentally break or damage someone else’s property, your policy can pay to replace it.
5- Additional living expenses : If you can’t stay at your place because of a covered incident, this coverage can pay for a temporary place to stay.