Renters insurance is a policy that covers the loss of your personal valuables and shields you against accidental liabilities within your house that aren’t the building owner’s fault. You can’t count on landlord insurance to protect your belongings. The policy only covers damage to the rental house you’re living in and any bodily injury claims for which the landlord is liable.
You’d need renters insurance for these key protections:
Personal property coverage against theft or damage by a covered event like vandalism or fire
Liability coverage pays for valid claims against you, such as damaging somebody else’s property or someone getting bodily injuries at your home
Additional living expenses coverage reimburses the cost of temporary relocation (accommodation) while your uninhabitable house is being repaired.