What Does Renters Insurance Generally Cover? 
Renters insurance is very similar to home owners insurance in its coverage . It provides coverage for your personal property up to the limits of the policy for the peril covered -LRB- i.e. fire , explosion , etc. -RRB- . It also provides liability coverage for accidents that you are deemed responsible for on your residence and other locations as specified within the policy . Typically they will also provide some loss of use , which will get you money to pay rent at another residence after a complete loss . Every policy is different so be certain to read it completely to know what is or is not covered or contact your local agent to have them go over the policy with you . 