Your landlord’s insurance generally protects the building, not the belongings you own inside it. Renters insurance can cover certain losses to your property and provide personal liability coverage, subject to the policy.
List what you need to protect
Make a simple inventory of furniture, electronics, clothing, and other belongings. Photos and receipts can help you document a claim. Check the personal-property limit and whether valuable items have special limits. Ask whether the policy pays actual cash value or replacement cost for covered property.
Read the other parts
Compare personal liability limits and coverage for extra living expenses if a covered loss makes your home unusable. Check the deductible, exclusions, and whether your belongings are covered away from home. Damage from flooding is often treated separately, so ask about it if it matters where you live.
Use the same limits and deductible when you compare quotes. Ask your landlord about lease requirements, but read your own policy for the coverage you actually have.
Further reading: NAIC renters insurance guide and NAIC home inventory.
This is general educational information for U.S. readers. Product terms and state rules vary. Check current documents and ask a qualified professional when you need personal advice.