However, this policy doesn't cover your personal possessions within your apartment. Renters insurance would protect you in the event of a loss. Homeowners insurance is designed to return your home and possessions to the same condition they were in before a loss occurred. Many different types of policies are available, and not all coverages are the same or are available in all states. Choosing the right coverage is important.
Most policies have specific exclusions.
Make sure you understand what causes of loss aren't covered. Your personal property. Know the value of your home's contents. Think about the assets you need to protect in the event of a lawsuit against you.