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Tenants    Whether or not the house or apartment that you are renting is insured, your personal property is not insured unless you have tenants insurance.  If a water pipe burst and destroyed your belongings, you would not receive anything from your landlord's insurance company.  It is therefore crucial that you obtain tenants insurance. Our tenants policy covers the following: Personal Property on a named perils basis Loss of Use - covers additional living expenses that you incur due to temporary relocation Personal Liability Medical Payments to Others We recommend the following additional endorsements: Replacement Cost Settlement on Personal Property Sewer or Drain Backup Personal Computer Coverage Scheduled Personal Property such a jewelry or guns  This is an illustration and not a contract. Complete details are contained in the policy.