What Does A Renters Insurance Policy Cover? 
There are two major elements to a renters insurance policy . The first major division is the loss or damage to personal property . This covers your property at the landlords location . This coverage is usually set at replacing the personal property with either new or used items . The second major division is liability where the company stands by you and defends you if you are sued because of an accident that occurs on the rented premises . There are additional coverages which may appear but these are the basics . 