This type of insurance protects all of the belongings of anyone who is renting their residence, and in many cases can even provide some basic liability coverage. However, it is important to understand what is and isn’t covered.

Essentially, this insurance covers everything in a tenant’s home or apartment that is not an integral part of the structure. Because the structure of a dwelling is not owned by the tenant, it is not his or her responsibility to fix damage that occurs, for example, as a result of a natural disaster.