Renter's insurance typically covers three main areas: personal property, liability, and additional living expenses. Personal property coverage protects your belongings, such as furniture, electronics, and clothing, from covered perils like theft, fire, and vandalism. Liability coverage helps protect you if someone is injured in your rental property, or if you accidentally damage someone else's property. It can also provide legal defense in the event of a covered lawsuit. Additional living expenses coverage can help with the cost of temporary housing and living expenses if you're unable to live in your rental due to a covered loss, such as a fire. It's important to review the specific policy details to understand the exact coverage limits and any exclusions that may apply.