In general, everything you own. However there are a few exceptions and limitations. Fine Arts, Collectibles and Jewelry may need a special endorsement. Certain business property may not be covered. As an example, if you are in a band and your musical instrument is stolen between sets, you may need a separate business policy. Other than that, your clothing, furniture, electronics, and other personal belongings would be replaced in the event of loss or damage.
Some policies include actual cash value coverage, which means that if your belongings are lost or damaged, you would only be compensated for their depreciated value. Our renters insurance policies include replacement cost coverage. That means we’ll be compensating you the cost to purchase a new item of the same like, kind and quality.
But what kinds of perils does our renters insurance cover you for? Since our policies are Special Form, you’ll be covered for anything that happens, with the exception of things that are specifically excluded. In general, those exclusions would be earthquake, flood, wear and tear, animal infestation, construct defect, and war. We recommend that you read the (sample policy) to better understand your benefits.