What Is The Difference Between Homeowners Insurance And Renters Insurance? 
Good Question ... Renters insurance covers a renters personal property -LRB- stuff -RRB- , loss of use -LRB- should you need a place to live from a covered loss -RRB- and personal liability . Homeowners Insurance is similar to renters insurance but it adds on coverage for `` Dwelling '' and `` Other Structures '' and is designed to protect the titled owner of a home . 