What Does Apartment Renters Insurance Cover? 
The insurance is known as a tenants policy . It has two major parts . The first is coverage for your personal property . Your landlord is not responsible for losses that occur on his premises to your personal property . You need to have independent coverage for that -LRB- furniture , clothes etc. -RRB- The second is liability . You can be sued if someone entering your apartment is injured . A lawsuit can bankrupt you . 