Direct answer
It depends on your policy add-ons, as standard renters insurance typically covers your personal belongings and liability, but may require a specific endorsement to cover accidental damage to the structure you are renting.
Analysis of standard renters insurance policy language and common endorsement definitions. For additional information about policy language and standard coverage definitions, see the Insurance Information Institute‘s comprehensive guide to renters insurance.
What this means for you
It depends on your policy add-ons, as standard renters insurance typically covers your personal belongings and liability, but may require a specific endorsement to cover accidental damage to the structure you are renting.
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