Your landlords insurance will not cover your belongings.
There may be a list of happenings where a renters insurance will save protect you.
If a guest falls or has any other accident in your home, you may be liable for injuries and medical bills should your guest pursue you for damage because of your negligence. You may assume guests are safe in your house, but if they happen to injure themselves falling down on a loose step, or a heavy item/picture falls on them, the medical costs can get quite expensive. And if your pet bites a visitor or guest you may also face some pricey medical bills.
In the event that your home gets burglarized, your landlord will not be responsible for anything stolen, the chances of recovering your valuables are typically slim, but renters’ insurance will protect your stolen property as long as it’s listed on your policy and you meet the coverage limits.
If your apartment home is damaged because of a natural disaster, such as wildfire or heavy rain, the landlord may repair the building damages, but your personal property is definitely not covered by their insurance. Renters’ insurance will protect you in the event that a natural disaster occurs, but keep in mind that a few natural disasters, such as floods or hurricanes, require “add-on coverage”.
Fires due to an unattended candle or cigarette, as examples, might be covered by the landlord’s insurance for the structure and apartment fixtures but, again, personal property would not be covered and if the fire spreads to other tenants’ apartments, you could be held liable for damages to their belongings as well any property damage to their dwelling.
Damages You Cause
Landlords are not liable for damage that you cause yourself, such as unintentionally breaking a window, falling items that weren’t secured properly or accidentally overflowing water. These are among the leading reasons for property damage and renters’ insurance will help cover the costs of replacing or repairing the belongings. Keep in mind, though, that insurance will not cover intentional damage you cause.