What Does Renters Insurance Pay For? 
The company pays for everything for which you become liable by law involving bodily injury or property damage . The company will defend you in such a lawsuit up to the limits of the policy . The company makes you whole if you lose personal property due to a covered loss . It pays for your personal property while you are in school . It pays for additional living costs if your unit is unfit because of a covered loss . It pays for the removal of your property to avoid further damage . It pays for removal of debris in the event of an insured loss . It pays for fire department charges . It also pays for trees , plants and shrubs , grave markers and improvements you make to the unit . There are other coverages which are included and others which are optional . 