Does Renters Insurance Protect Against Theft? 
Yes , most renters insurance policies do protect against theft of property . However , excessively , or unusually valuable items such as valuable jewelry , expensive instruments , expensive clothing , or valuable antiques should be picked up on an add-on special rider , designed to cover the increased value not covered by the generic renters insurance policy itself . For example , my renters policy does cover my classic guitar , but that guitar is worth a good bit more than what the generic renters policy normally allows for , so I have an add-on rider tailored just to cover that item . These add-ons allow you to tailor the policy to your specific needs , and they are relatively inexpensive . Plus they remove an reasonable doubt about the item covered . 