From Insurance Lounge

Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:

  • Personal property (furniture, electronics, computer equipment, clothing, etc.)
  • Personal liability if someone is hurt, whether in your home or away from it
  • Damage to your apartment or home caused by a covered loss

Your personal property inside your apartment will generally be covered if it’s affected by any of the following:

  • Fire
  • Smoke damage
  • Theft
  • Collapse of the building due to weather
  • Water leakage or overflow
  • Freezing of plumbing, air conditioning and more