Renters insurance is a package that provides coverage for your personal property. It also provides liability coverage when you're legally responsible for a covered accident not excluded under the policy. If someone other than you or a resident of your household is injured in an accident on your insured premises, your American Family renters insurance provides medical expense coverage.
If you're renting your residence, you are responsible for protecting
your possessions against loss. You also need protection against any
covered liability loss. Your landlord is only responsible for the building
and any furnishings, appliances, and other things that may be included
with the dwelling.