What Is Covered By Renters Insurance? 
A renters policy is a package policy . It combines several coverages . It covers the personal property located at the residence . It covers the named insured against law suits for personal injury or property damage . It also provides for additional living costs should you not be able to stay in the unit due to a covered loss . It pays for incidental items such as emergency removal , debris removal , fired department charges , and others . Most renters policies provided medical payments to others coverage and a variety of coverages that fall under the general heading of liability . 