Does Renters Insurance Cover Structural Damage? 
Sadly , renter 's insurance does not cover structural damage ! The reason is , that as a renter , you do not own the property -LRB- structure -RRB- , so insurance is covered by someone else . If you purchase a home , along with your personal property , you will then need coverage for your dwelling and unattached structures . A homeowner 's policy has many other additional features as well . 