What Does Allstate Renters Insurance Cover? 
The primary coverage is for loss of your personal property due to the covered perils such as fire , water , wind , hail , theft , lightning , smoke , explosion , vandalism and so on . The standard deductible is the $ 500 minimum , after which covered claims are paid out . The second part of your policy is for medical payments and personal liability coverage . If any of your guests should be injured on your property , they would receive up to the coverage limit for medical payments coverage . Personal liability is usually a $ 100,000 minimum and can be increased . Liability arising through the use of your residence -LRB- such as a water leaking and causing damage to an adjacent unit -RRB- or other personal liability claims against yourself would be covered and would help provide you with the monetary means in the event of a lawsuit , as well as legal defense . You also have loss of use coverage that would cover the accommodation and relocation expenses of living elsewhere if your residence becomes uninhabitable due to a covered claim such as smoke or fire damage to your unit . 