What Does Renters Insurance Cover In Iowa? 
Renters insurance in Iowa is a tremendous value for the coverage you get . While policies from different insurance companies vary slightly , the basic coverages are very similar . The primary coverage pays for damage/loss to your personal property and pays for injury or damage you cause to others or their property . To start , you need to add up the cost to replace all of your personal property -LRB- clothes , furniture , wall hangings , books , CDs , personal records , etc. -RRB- and that is the amount of insurance you need to purchase . In most cases , the personal property items are covered while inside your rented unit and while with you away , however there may be some limitations to coverage while away from your unit . You 'll have to look at specific policies to know that . Liability coverage is very important because it pays if you are found to have injured or damaged other people or property , unless that injury or damage was caused by a motor vehicle , in which case your auto policy handles it . Liability coverage under the Renters policy protects you if someone gets hurt in/on your rented property , but also from damage you cause while out and about . A common example is you hit someone with an errant tee shot while playing golf . One thing to remember is that you want to make sure you get your personal property covered for replacement cost . If you do n't you wo n't get much for property that is over a couple years old . 