Homeowners insurance typically does not cover renters. Homeowners insurance is designed to protect the structure of a home and the belongings of the homeowner. It does not typically extend coverage to renters or their belongings. Renters insurance is a separate type of insurance that is specifically designed to protect renters and their belongings. Renters insurance provides coverage for personal property, liability protection, and additional living expenses in the event of a covered loss. It is important for renters to obtain their own renters insurance policy to ensure they have the necessary coverage in case of an accident, theft, or other covered events. Renters insurance is generally affordable and can provide valuable protection and peace of mind for renters. It is recommended that renters consult with an insurance professional to determine the appropriate coverage for their specific needs and circumstances.