Most renters buy a policy for their belongings and never look at the rest. The liability section is usually the part that matters most.
Three numbers to check
- Contents limit — enough to actually replace what you own.
- Liability limit — often the reason a landlord requires the policy at all.
- Additional living expenses — where you stay if the unit becomes unlivable.
Read the exclusions once. Water damage, in particular, is treated very differently from policy to policy.