Does Homeowners Insurance Cover Renters Insurance? 
A homeowners policy covers a residence , and the personal property of the insured . If the personal property of the insured is away from the residence there is a percentage of the limit that covers the property at another location . A renters policy provides similar protection , except for coverage for the building . If you are thinking of covering a child who has gone away to college and is renting an apartment with your homeowners policy the basic problem will be liability that might arise from the childs occupancy in the rental unit . If someone slips and falls in the apartment there wouldnt be coverage for a lawsuit . 