What is a key feature of renters insurance?

Renters insurance is specifically designed to protect individuals who are renting a home or apartment by covering their personal belongings within the rented space. This includes items such as furniture, electronics, clothing, and other possessions that might be damaged or stolen. It is focused on the renter's personal property and liability, ensuring that users are protected against losses due to events like theft, fire, or vandalism.

The emphasis on personal belongings is what distinguishes renters insurance from other types of insurance, such as homeowners insurance, which typically covers the structure of the property itself. Renters do not have liability or coverage for damage to the physical building, as that is the responsibility of the landlord. Therefore, the correct answer highlights the primary purpose of renters insurance which is to safeguard the tenant's personal items rather than the structure or provide other forms of liability coverage.