Enrolled Agent-licensed to practice before the IRS, Samuel N Smith, EA, South Carolina
You ask if "renters insurance cover break ins". I am going to assume you are asking:
What happens if the apartment building burns down? A thief broke into your apartment? What if a guest slips and injures themselves in your kitchen? What happens if the apartment suffers water damage? What about all my clothing, furniture, televsions, computer, iPod, musical or sporting equipment, and my wife's jewelry? The answer is yes, Reneters insurance covers all the above. Smart investment.
Sales Representative, Liberty Mutual Insurance, Eugene, Oregon
It depends on what damage there is. If someone breaks into your home and steals your personal property, yes you have coverage to pay for the stolen items less your deductible. Your policy might have limits of coverage for jewelry, computer equipment, and guns.
The damage to the home and building would not be covered by your renters coverage and would have to be filed with the landlord policy.
If the thief hurts themselves while he/she is in your home, you would have liability coverage to protect you if they sue you for bodiliy injury during the theft.
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What happens if the apartment building burns down? A thief broke into your apartment? What if a guest slips and injures themselves in your kitchen? What happens if the apartment suffers water damage? What about all my clothing, furniture, televsions, computer, iPod, musical or sporting equipment, and my wife's jewelry? The answer is yes, Reneters insurance covers all the above. Smart investment.
The damage to the home and building would not be covered by your renters coverage and would have to be filed with the landlord policy.
If the thief hurts themselves while he/she is in your home, you would have liability coverage to protect you if they sue you for bodiliy injury during the theft.