This insurance offers some of the advantages of homeowner’s insurance but does not include coverage for the dwelling or structure, except for minor modifications made to the structure by the tenant.
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When renting an apartment, the renter may not need to purchase insurance to protect the structure itself but does need coverage for personal belongings since the landlord does not cover them.
In addition, renters should purchase liability insurance to cover medical expenses and damages in the event that a visitor is injured while in the apartment.
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