Does Homeowners Insurance Cover Renters Belongings? 
If you are renting a portion of a home occupied by the insured most companies will not cover your property unless you are named as an insured on the policy . If you are a guest in the home , the insured has the option to extend coverage to your personal property . If you are renting a residence , your property would not be covered . This is what a tenants policy is designed to do , cover your risks while you are occupying a rented residence . 