It depends. Damage from sudden events (like a burst pipe) is typically covered. Flooding from heavy rain or Lake Erie storms usually requires separate flood insurance.

A good rule is to total the value of your belongings and make sure your policy covers that amount. Liability coverage of at least $100,000 is common, but higher limits can offer more protection.

Usually no, unless you use part of your rental space for a home office and claim that portion on your taxes.

Yes, many insurers will allow you to purchase a policy even if you don’t have a formal written lease—but you’ll need to provide your address.

Not automatically. Each tenant usually needs their own policy unless both names are listed on a single one. It’s generally better for each roommate to carry separate coverage.