Renter's insurance covers your personal property losses, up to the amount of coverage that you purchase. The landlord is not always responsible for your loss of furniture, food, etc. The person who caused the water damage, fire, etc. may be uninsured and own no property; then your renter's policy would come into play and you could re-purchase all that you lost.
Rubenstein Sendy is a law firm and does not sell renter's or any other insurance.
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