Is Renters Insurance The Same As Homeowners Insurance? 
Homeowners Insurance is usually associated with the owner of the dwelling ; whereas Renters Insurance is specifically intended for the non-owner occupant of the dwelling . Renters Insurance is intended to provide Personal Property Coverage and Personal Liability Coverage for the tenant of a home . In a tenant occupied situation , the owner of the dwelling will usually carry Landlords Protection Coverage for the dwelling which does not offer any protection to the tenant . The tenant should purchase his/her own Renters Insurance . This is coverage is very inexpensive and is well worth it ; there have been many instances where a property owner has brought legal action against a tenant for negligence leading to a fire or other type of claim ; the Renters Insurance provides Personal Liability Insurance for the tenant which may provide defense in such an occurrence . For a renters quote in California , Arizona or Nevada , you may click on : WEBSITELINK For all other States , you should find a licensed representative in your State for a quote . 