What does renters insurance cover?

It typically covers personal property, liability, medical payments to others, and additional living expenses if your rental becomes uninhabitable.

Renters insurance typically covers personal property (e.g., furniture, electronics), liability (e.g., if a guest is injured), and additional living expenses if you're temporarily displaced. Some policies may also cover theft or damage outside your home.

If your laptop is stolen from your car, renters insurance can help reimburse you for the loss, up to your policy's limits.

Carefully review the details of your renters insurance policy to understand what is covered and what is not. Consider additional coverage for high-value items.