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If your renters policy covers Sewer Backup then it will cover damage to personal property.
Your home renters insurance will cover you for loss or damage to the property which you own and which is kept within your rental property. Any damage to the actual structure of the building would be covered by the landlord's insurance.
No, Renters insurance is coverage specific to household property or contents owned by the named insured. It does not cover the property of others and it does not cover automobiles. Neither Renters insurance nor Homeowners insurance will cover damage to an automobile. That's what auto Insurance is for.
Homeowners insurance No. But a landlords Dwelling Policy yes.
A homeowners policy is not the proper policy for property rented to others. It is only for owner occupied dwellings and will not cover damage caused by anything other than a covered cause.
No. "Renters Insurance" is property coverge for a tenant. It will cover the property of the named insured Tenant or Renter that is located within the rented dwelling. It will not cover property of someone who is not a named insured on the policy.
Renters insurance really does cover a lot. It covers natural accidents, burglary, theft, fire, vandalism, and smoke damage. It also will pay your rent for a few months if you get hurt in the apartment.
No. Insurance does not cover mechanical problems.
No, it does not.
homeowners insurance or renters insurance
cover
No, they will not cover it. However, if a gust of wind knocks it down, then they will cover the fence. Insurance does not cover damage caused by insects.