What Is Usually Covered Under Renters Insurance? 
A renters policy normally has four sections . The first section is personal property . This section promises to provide either like items or new items for those damaged by a covered peril , such as fire . The second section is called incidental property coverages which include things like emergency removal of your property from the rental unit to prevent loss from a covered peril , fire department service charges , debris removal , credit card , forgery and additional coverages . The third section is personal liability and provides for your defense and damages up to the limits of the policy for personal injury and property damage lawsuits . The last section is incidental liability and provides limited coverage to property of others damaged by you . There are other coverages built into the package . 