> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Renters insurance

> What renters insurance covers when you don’t own the building.

**Renters insurance** helps protect your belongings and personal liability when you rent. The landlord’s policy typically covers the building — not your furniture, electronics, or liability as a tenant.

## What’s usually included

* **Personal property** — covered losses to your stuff (limits and perils per policy)
* **Liability** — if you’re responsible for injury or damage
* **Additional living expenses** — temporary housing after a covered loss that makes the unit unlivable

Many landlords require proof of renters insurance. Even when they don’t, replacing everything after a fire or theft is expensive without it.

## Next step

Renting and want a clear quote? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=renters-insurance)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=renters-insurance)