Why You Need Renters Insurance
The landlord of your apartment has insurance, but it probably only covers the building where you live — not your belongings or your liability for accidents. If your possessions are stolen during a break-in or damaged by a fire or severe weather, a renters insurance policy can allow you to recover their value. If someone is injured during an accident in your home, renters insurance can help protect you in the case a liability lawsuit.
Renters Insurance Covers
Examples not limited to:
Fire or Lightning
Windstorm or Hail
Freezing of plumbing system
Theft
Renters Insurance Doesn't Cover
Examples not limited to:
Bodily injury or property damage that is expected or intended by the insured
Business pursuits
Professional services provided or not provided