Q: Does a landlord’s insurance cover my possession if I'm a tenant?
A: A landlord’s insurance covers damage to the property, but it does not cover any of the renter’s personal property that may get damaged. Renters insurance also offers liability protection, which keeps you safe in the event of a lawsuit. For instance, a guest who gets accidentally injured may sue you to recover their medical costs. Some renter's policies cover lost property while you're away from home.