Renter’s insurance may not be at the top of your priority list if you rent an apartment or a home. You may believe that because you do not own the unit or building you live in, your landlord will cover any damages if something unexpected occurs. Truth is, your landlord’s policy likely won’t cover your assets if a cooking fire spreads and damages them. Your electronics, clothing, furniture and appliances? Renter’s insurance covers those – and your personal liability, too.