- fire
- lightning
- theft
- smoke
- vandalism
- windstorm or hail
- floods
- damage from a burst water pipe
- riots or civil commotion
- aircraft and vehicles
- freezing of plumbing system
- falling objects
Liability protection. Some renters insurance protects you against a lawsuit if someone or their property is damaged on your apartment's premises.
Medical payments to guests. Some policies cover the medical bills up to a limit of anyone, except you or anyone else who lives in the apartment, who is injured in your apartment.
Increase in Living Expenses. If your living expenses increase, because you must live elsewhere due to a loss, some policies cover, up to a limit, that increase.
Lost property while traveling. Some renters insurance policies cover your property even when you're traveling, should the airline lose your luggage.
Premium policy add-ons. If you're willing to pay a higher premium, you can buy additional protection. The add-ons differ from company to company, so be sure to ask for details. Typical add-ons include:
- property damage due to floods or earthquakes
- damaged wedding or engagement presents
