Does Homeowners Insurance Cover Renters Insurance? 
No . Homeowners insurance and renters insurance are two entirely different types of policies . In rare cases , it may be possible for a student 's parents to add an endorsement to cover the student 's apartment , but that comes with its own set of problems and is not generally recommended . It 's important to have the proper type of policy , and renters insurance is designed to meet the needs of a tenant . Homeowners insurance will not usually cover a secondary location like an apartment without the cost of an extra endorsement . Because there are differences in coverage between the two types of policies , this would often be a poor choice and may vastly limit the amount of personal property coverage available . 