What Renter's Insurance Covers

• Losses from theft or vandalism
• Destruction from fire or smoke
• Losses due to windstorm, lightning, or explosion
• Water damage from plumbing
• Earthquake damage, if you purchase a special add-on
• Lawsuits that come from someone getting hurt in your apartment or using your stuff (different degree of coverage for each policy)
• Theft by a roommate (provided by some policies)