You are not covered for property damage with a renter's insurance policy. The $100,000 coverage is for liability (e.g. a guest slips and falls and she's you.)

You are not covered for property damage with a renter's insurance policy. The $100,000 coverage is for liability (e.g. a guest slips and falls and she's you.) You are also covered by a smaller amount (e.g. $10,000) for your personal property.