A tenant is anyone who rents a house, apartment or condominium from a landlord. In most cases, the tenant furnishes the space with their own personal belongings to make it their home. What many people may not consider is how those personal items will be replaced in the event of a fire, flood or theft.
Although your landlord is responsible for insuring the building structure, the contents – that is, your belongings – are your own responsibility. This refers to furniture, electronics, clothing, towels, bedding, dishes… anything you bring into your rented home.