Home is not a place, it’s a feeling. But most landlords or apartment complexes have insurance coverage for the structure of the building, which means that none of your belongings are covered. Renters insurance provides coverage for your personal belongings as well as liability coverage for any damages that you may become responsible for.
Take the roof off your apartment, turn it upside down and see what falls out — that’s considered personal property. This includes items like clothing, electronics, furniture, linens and more. We recommend covering your personal property for complete replacement cost.
This coverage reimburses medical expenses incurred by a guest that becomes injured on your apartment.
Let's face it, accidents do happen. Medical Payments coverage provides coverage for medical expenses incurred by a guest that was injured on your property.