❌ : She needs rental car insurance or auto insurance, as renters insurance specifically covers living spaces. 🛡️ Why these people need it
: Landlord insurance covers the building, but it does not cover your stuff. If there is a fire or theft, you are responsible for replacing your belongings.
: Students living in dorms may sometimes be covered by their parents' homeowners insurance, but those renting off-campus apartments usually need their own policy.