A landlord's insurance covers the property itself, not a tenant's belongings or liability. If you're staying in a furnished rental, renters insurance covers your personal items (electronics, furniture, clothes) and protects you if someone is injured in your unit or if you accidentally damage the property.
Why this isn't already covered
A landlord's policy (opens in new tab) protects the structure, the fixtures, the building itself. It has nothing to say about your laptop, your clothes, or what happens if a guest gets hurt while they're staying with you. That's a separate kind of coverage, and it's one you carry yourself.
What renters insurance actually covers
Renters insurance fills the gap a landlord's policy leaves open. A few concrete examples of what that looks like in practice:
Your laptop gets stolen, even away from home. Personal property coverage typically follows the item, not just the address, so a theft that happens outside your rental can still be covered.
Your pet damages something, or hurts someone. Liability coverage can help with repair costs if your pet damages the property, and with costs if it injures someone else.
A kitchen fire damages the unit. Personal liability coverage can help cover the cost of repairing damage you're responsible for, like an accidental fire.
A flood forces you out temporarily. Some policies cover the cost of temporary housing until you're able to safely return.
Why this matters more in a furnished, mid-term stay
If you move between short and mid-term stays throughout the year, a policy tied to one fixed address doesn't fit how you actually live. Coverage through Sure is built to move with you from stay to stay, so you're not re-buying a policy every time your address changes.
Getting covered takes a few minutes
Getting a quote is a short process: answer a few questions, choose the coverage that fits your situation, and you're covered. You can also add another person at the same address to your policy at no extra cost.
The best time to do it is before you move in, with coverage set to start when your stay begins.
Check your renters insurance options in your Furnished Finder dashboard (opens in new tab), and get a quote in a few minutes.