What Is Apartment Renters Insurance? 
This is a form of homeowners policy that is designed for a renter . It doesnt have any coverage for the building itself . It provides coverage for your personal property -LRB- clothes , furniture , appliances , etc. -RRB- It also provides liability insurance . It will cover lawsuits that come from bodily injury and property damage . This form of insurance may be required by a landlord , but it is the only way that you can recover your personal property when it is destroyed . It is also the only way you can avoid the tremendous expense that accompanies a law suit . 