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Introduction If you’re renting an apartment or house in Ohio, having renters insurance is one of the smartest financial decisions you can make. It protects your belongings, covers you in case of accidents, and gives peace of mind — all for a few dollars a month. --- 🔍 What Is Renters Insurance? Renters insurance is a type of policy that covers your personal belongings in case of theft, fire, or other covered disasters. It also offers liability protection if someone gets hurt in your rental home. --- What Does Renters Insurance Cover in Ohio? A standard renters insurance policy includes: 1. Personal Property Coverage – Protects your belongings (furniture, electronics, clothes, etc.) from damage or theft. 2. Liability Coverage – Covers legal expenses if you accidentally damage someone else’s property or they get injured in your rental. 3. Additional Living Expenses (ALE) – Helps pay for hotel or food costs if your rental becomes unlivable due to fire or disaster. 4. Medical ...