Apartment renter insurance, also known as renter's insurance, typically covers a range of scenarios to protect tenants from financial loss. Coverage usually includes protection for personal property, liability coverage, additional living expenses, and medical payments to others. Personal property coverage helps replace or repair personal belongings in the event of covered perils such as fire, theft, or vandalism. Liability coverage can provide financial protection if a tenant is found legally responsible for causing property damage or bodily injury to others. Additional living expenses coverage may help cover the cost of temporary living arrangements if the rented apartment becomes uninhabitable due to a covered loss. Medical payments to others coverage can help pay for medical expenses if a guest is injured in the rented apartment, regardless of who is at fault. It's important to review the specific policy details to understand the exact coverage limits and any exclusions that may apply.