What Does Renters Insurance Generally Cover? 
Renters insurance covers your personal property -LRB- stuff -RRB- and personal liability -LRB- if someone sues you -RRB- . You should make sure that you pick the coverage amount for Personal Property that will replace all the items in your possession including ; clothing , beds , furniture , electronics , eatery etc. . Keep in mind that expensive items like jewelry , furs , fine arts , silverware , money & securities will all have limits unless scheduled on the policy with an appraisal . A renters policy is a great value for the amount of premium paid . Unfortunately many renters go without it unless required by the landlord . 