Personal Property Coverage: This coverage protects your personal belongings against damage or loss caused by fire, theft, vandalism, or certain natural disasters. Your furniture, electronics, clothing, and other possessions are safeguarded under this policy.

Liability Coverage: Liability coverage is crucial as a renter. It protects you if someone is injured on your rented property and holds you liable for their medical expenses or property damage. It also covers legal expenses in case of a lawsuit.

Additional Living Expenses Coverage: If your rented property becomes uninhabitable due to a covered event, this coverage helps pay for your temporary living expenses, such as hotel bills or additional rent, until you can return home.

Medical Payments to Others: If a guest is injured in your rented property, this coverage helps cover their medical expenses, regardless of who is at fault. It provides a goodwill gesture to help with their immediate medical needs.

Personal Liability Umbrella: For additional liability protection, you can consider a personal liability umbrella policy that extends the coverage limits of your renters insurance. This provides an extra layer of security in case of high-value liability claims.