14 answers · verified 2026
What does renters insurance cover?
What your renters policy protects — in and out of the apartment.
Usually covered
Usually not covered
Every question, answered
Does renters insurance cover theft?Usually yesDoes renters insurance cover mold?It dependsDoes renters insurance cover flooding?Usually noDoes renters insurance cover fire?Usually yesDoes renters insurance cover storage units?Usually yesDoes renters insurance cover dog bites?Usually yesDoes renters insurance cover damage to the rental property?It dependsDoes renters insurance cover guns?It dependsDoes renters insurance cover pet damage?Usually noDoes renters insurance cover items stolen from your car?Usually yesDoes renters insurance cover water damage to your belongings?It dependsDoes renters insurance cover your roommate's stuff?Usually noDoes renters insurance cover temporary housing after a fire?Usually yesDoes renters insurance cover bed bugs?Usually no