Renters insurance is essential for protecting personal property like electronics and clothing, covering liability for injuries on the property, and loss of use.
Flood damage isn't covered under typical renters insurance; separate flood insurance is needed. However, fire damage—unless caused by arson—is included.
What renters insurance doesn’t cover varies by policy, as it highly depends on individual selections made when the policy is chosen.
If a rental becomes uninhabitable, renters insurance may help cover the cost of a temporary place to live, depending on the policy.
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