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Types of Coverage and Their Benefits

Renters insurance typically includes three main types of coverage: personal property, liability, and additional living expenses. Personal property coverage protects your belongings from damage or theft, while liability coverage helps cover legal costs if someone is injured in your home. Additional living expenses cover the cost of living elsewhere if your rental becomes uninhabitable due to a covered event. Each of these coverage types has its benefits, and understanding them can help you tailor a policy that meets your specific needs.