What does renters insurance cover?

Renters insurance primarily covers the personal belongings of tenants within a rented property. This includes items like furniture, electronics, clothing, and other personal possessions. The policy is designed to protect against various risks like theft, fire, vandalism, and certain types of water damage.

While the other options mention various aspects of property and liability, renters insurance does not cover the structure of the rented home itself, as that responsibility falls to the landlord and their insurance. Personal liability coverage is often included in renters insurance policies, which protects the tenant against legal expenses or damages resulting from accidents that occur within the rented space. However, the key distinction here is that renters insurance specifically addresses the contents owned by the tenant, which directly explains why the coverage of the contents within a rented apartment is the most appropriate answer.