What Does My Allstate Renters Insurance Cover? 
I would suggest contacting your local agent to go over your exact policy coverages . Typically a renters insurance policy will cover : 1 . Personal property coverage . Think of everything you own . Now , try to assign a dollar amount to all of those belongings . Pretty mind-boggling , is n't it ? A renters insurance policy offers you coverage for the theft , loss or destruction of your personal belongings in the event of a fire , storm or other covered peril . This can help you replace the items you use on a day-to-day basis , from your clothing to your appliances to your furnitureas well as your more expensive items . If you 're a die-hard jewelry collector or an audiophile with tens of thousands of dollars ' worth of pricey sound equipment , you can even take out extended coverage that provides you with higher limits , sometimes called floater insurance or Scheduled Personal Property coverage . This extra coverage may increase your deductibles , but will certainly be worth having to make sure you have enough coverage for your pricey items . Having a renters insurance policy can even cover your personal belongings when they 're not inside your homelike if you take your laptop with you on a trip and it is damaged or stolen . 2 . Liability coverage . Life is risk , but that does n't mean you have to dig deep into your pockets or drain your savings account every time something goes wrong . The liability insurance that comes as a part of your standard renters insurance policy can help protect you if you are sued by a guest injured in your home . Say someone comes over to your house and trips down your stairs , injuring themselves seriously enough to warrant medical attention . If you are found responsible for the accident , your renters insurance liability coverage can help pay for your legal expenses and their medical bills and other damages . When buying renters insurance , it pays to think long and hard about having enough coverage to guard against any eventuality . Liability coverage can even pay for damages caused accidentally by you or your family members . For example , if your child accidentally throws a baseball through your neighbor 's living room window , your liability insurance plan could cover the damages . 3 . Additional living expenses . People rarely think about where they 'd go or how they 'd pay for it if a fire or disaster were to render their rental home unlivable . With a renters insurance policy , you can rest easily because this coverage will help pay for your temporary living expenses . This can include things like hotel bills to restaurants to other living expenses you normally would n't incur . With a renters insurance policy , you do n't have to worry that a damaged roof will force you to share a house with your in-laws . For that alone , it 's a priceless investment . Thanks for asking ! 