Does Renters Insurance Protect Landlord? 
Technically a renters policy covers the personal property and liability assumed of the tenant . However , the presence of the policy greatly reduces the risk that the landlord will be sucked into some sort of action should personal property be damaged -LRB- sometimes in conjunction with a loss to the structure . -RRB- If the landlord is named as an additional insured it also consolidates the defense against bodily injury and property damage which ultimately saves money for the landlord . The presence of a renters policy does not reduce the liability exposure that the landlord has ; however , it does take away confusion over loss of personal property and clarifies who is going to respond should a suit be lodged against the landlord and the tenant at the same time for the same incident . 