What Does Travelers Renters Insurance Cover? 
Travelers Insurance Company has an excellent renters insurance policy . The Form HO-4 covers Personal Property and Personal Liability Insurance for the tenant -LRB- insured -RRB- . Renters Insurance is a very valuable coverage because it no only offers protection against damage to your personal property but also protection against negligence and personal liability cases that may be brought against you . One valuable example is if there is fire , smoke or water damage to the rented home or apartment unit , the property owner 's insurance company will most likely attempt to collect damages from the tenant if they can prove negligence . In this case , Renters Insurance will provide the legal representation to handle the situation although the policy limit will apply . If you are not sure and do n't really want to commit to purchase renters insurance but may or may not be required to according to your lease agreement , the best way to generate the lowest annual premium is to select the minimum personal property coverage available , the lowest limit of personal liability and the highest available deductible for the policy . There is a link providing an online format to obtain a quote and buy renters insurance online in multiple States ; may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK 