A tenant/renters policy covers your contents and liability (The landlord is responsible to cover the actual building).
- Contents - (Tenants and Homeowners) your belongings that are not permanently attached to your home.
- Loss of Use - (Tenants and Homeowners) extra expense coverage such as hotel room expense, if you suffer a covered loss and cannot stay in your home.
- Liability - (Tenants and Homeowners) coverage and legal defense for physical injury caused to others accidentally for which you are deemed liable.
- Medical Payments - (Tenants and Homeowners) a good will type of coverage. Provides payment for injuries to non-household members regardless of fault.