Most standard renter’s insurance policies cover your personal property for the following scenarios:
fire or lightningwindstorm or hailexplosion, riots or civil commotion,
aircraft or vehicles damagesmokevandalism or malicious mischieftheftdamage by glass or safety-glazingvolcanic, falling objects, weight of ice and snowwater related damage from utilities, and electrical surge damageFlood, earthquake, and hurricane insurance should be added on if you live in an area where this might be of concern.

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