Homeowner insurance typically does not cover renters. Homeowner insurance is designed to protect the homeowner's property and liability, and it generally does not extend coverage to renters who are not listed on the policy. Renters are encouraged to obtain their own renters insurance to protect their personal belongings and provide liability coverage. Renters insurance is specifically tailored to meet the needs of renters and can provide coverage for personal property, liability, and additional living expenses in the event of a covered loss. It's important for renters to carefully review the terms and coverage options of renters insurance to ensure they have the protection they need.