I am not quite sure what your asking, so I will answer this question, which is what I think you asked: "What are the standard coverages included in a renters policy?"
The standard coverage in a renters policy includes personal property, liability and medical payments.
Personal property can be general property and scheduled property (i.e. jewelry, cameras, hearing aids) on premise; and, sometimes, there can be a sub-limit for personal property off-premise.
Liability covers your negligent acts against a third party.
Medical payments provides a small sum of money to people who hurt themselves at your rented premise.
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The standard coverage in a renters policy includes personal property, liability and medical payments.
Personal property can be general property and scheduled property (i.e. jewelry, cameras, hearing aids) on premise; and, sometimes, there can be a sub-limit for personal property off-premise.
Liability covers your negligent acts against a third party.
Medical payments provides a small sum of money to people who hurt themselves at your rented premise.
I hope this answers what you were asking.