Renters insurance: what it covers

🏠 Think it covers the whole apartment? It usually doesn't. Your landlord covers the building, not your stuff.

📦 Belongings are bucket one. Make a home inventory so your personal property limit matches what you'd replace.

🛡️ Liability covers injuries or damage you're responsible for, and it can include legal defense if you're sued.

🏡 Loss of use can help with temporary housing, storage, and extra groceries after a covered loss. Checklist: inventory, liability, deductible. Deductible = what you pay first; higher usually means lower premium.