What risks does home insurance and renters insurance protect against?
1. Loss or damage to the home, as well as to other related structures on the land 2. Loss or damage to personal property in the home and related structures 3. Injury to third parties at the home The critical risks covered by renters insurance are damage or loss to personal property at the home and liability protection from third party injuries at the dwelling. Who does the home policy cover? It covers you and the home’s family members against loss of the home and its contents. The liability part of the homeowner’s policy protects you from third party injuries at the home. Does renters insurance cover a roommate? Renters insurance only covers you. Even if you share the home with a roommate, the property of the roommate is not covered. What is the difference between home insurance and title insurance? Home and title insurance offer protection against different types of risks. Homeowners insurance protects against loss or damage to the home, related structures, the personal property items
