Renters insurance is property insurance that provides coverage for a policyholder’s belongings, liabilities and possibly living expenses in case of a loss event. Renters insurance is available to persons renting or subletting a single family home, apartment, duplex, condo, studio, loft or townhome. The policy protects against losses to the tenant’s personal property within the rented property. Additionally, the policy protects against losses from liability claims, such as injuries occurring on the premises that are not due to a structural problem with the property (in this case, the owner’s policy would apply, not the renter’s).