Renters insurance will help you cover any liabilities from damage to the building. 

Renters’ insurance helps cover unexpected events. You may not always be able to prevent certain situations, such as theft, a break-in, or a visitor’s injury, and that’s where renters’ insurance comes in. There are three different types of Renters Insurance: COVERAGE TYPE PERSONAL PROPERTY WHAT’S TYPICALLY NOT COVERED Personal property The cost to repair or replace your belongings, such as clothing, furniture, and electronics, up to the limits in your policy Personal property loss over your coverage limit Liability Insurance* Repairs if you accidentally damage someone else’s property or a guest’s medical bills if you’re found responsible for their injuries Liability protection over your coverage limit Additional living expenses Additional …