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Does a landlord’s insurance cover a renter’s possessions?

does a landlords insurance cover a renters possesionsQ: 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.

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Why You Need Renters Insurance

If you’re a renter, you may think that if something unexpected happens you’ll be covered by your landlord’s insurance policy. Unfortunately, this is a common misconception because your landlord’s insurance doesn’t cover you or your personal belongings.