09/02/2026
Renting does not mean your belongings are covered by your landlord's insurance.
A landlord's policy generally protects the building itself, not everything you brought inside.
→ Furniture, electronics, clothing, and other personal belongings may need your own coverage.
→ Renters insurance may also include liability protection if someone is injured in your space.
→ Some policies can help with additional living expenses after a covered loss.
Coverage, limits, and exclusions vary by carrier and policy.
If you are renting in Michigan and are not sure what your policy protects, talk with your agent and review the details.