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What's Covered By Each Renters Insurance Type

Coverage Type	What's Covered	What's Not Covered	Common Coverage Limit
Personal property coverage	Clothing, furniture, art, electronics or anything else owned in a rental house or apartment up to your policy's limit.	Losses exceeding your total personal property limit and sub-limits. See our list of excluded possessions here.	Variable
Liability coverage	Property damage and bodily injury to another person and their medical expenses	Property damage and bodily injury to you or members of your household or your property	$100,000
Medical payments coverage	Medical expenses of an injured party	Medical expenses of an injured party if they are the insured	$1,000
Additional living expenses	Hotel bills, transportation, meals	Long-term housing costs beyond policy limits	$3,000-$5,000