SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/money-renters-insurance-belongings

A fire ruins your belongings in a rented apartment. Does the landlord's property policy cover them?

No. The landlord's policy covers the building, not your belongings.

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  1. Yes, it covers every renter's belongings
  2. Yes, through your security deposit
  3. No, you need your own renters insurance ✔

Why: Many renters assume they're covered. The NAIC says your landlord's insurance will not cover your personal belongings. Renters insurance protects your own stuff.

Huh, didn't know that: Many renters policies even cover your things if someone breaks into your car and steals them.

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Why did the house go to the doctor? It had window pains.
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References

Answer: No, you need your own renters insurance. Many renters assume they're covered. The NAIC says your landlord's insurance will not cover your personal belongings. Renters insurance protects your own stuff.

  1. Renting Your Home? Protect Your Belongings with Renters Insurance (NAIC) content.naic.org/article/consumer-insight-renting-your-home-protect-your-belongings-renters-insurance
    Your landlord's insurance will not cover your personal belongings.
    Checked 2026-10-11.

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