A Renters Policy covers the stuff in your apartment, with limitations on things like electronics, guns and collectibles. Your landlord insures the building.condominium Insurance covers your personal property, plus the inside structure. The condo association insures the outside building and roof. Home Insurance covers the building and your personal property. Plus, you can buy additional liability coverage and more
Your landlord’s insurance policy doesn’t cover your belongings.
Apartment insurance can help replace your valuables if you become the victim of theft.