What Is Standard Renters Insurance? 
I am not quite sure what your asking , so I will answer this question , which is what I think you asked : `` What are the standard coverages included in a renters policy ? '' The standard coverage in a renters policy includes personal property , liability and medical payments . Personal property can be general property and scheduled property -LRB- i.e. jewelry , cameras , hearing aids -RRB- on premise ; and , sometimes , there can be a sub-limit for personal property off-premise . Liability covers your negligent acts against a third party . Medical payments provides a small sum of money to people who hurt themselves at your rented premise . I hope this answers what you were asking . 