Knowing that the landlord’s insurance policy is what covers damages such as holes in the wall, it will be important for you to speak with your landlord about this policy. Discussing the specifics of the policy will give you an idea of what types of wear and tear are covered by your landlord, that are not covered by your renters insurance policy. The bottom line is that most landlord’s insurance policies do cover general accidental damages to the unit, which often covers holes in the wall. Speaking with your landlord about this, though, will help you confirm. When it comes to renters insurance coverage, a hole in the wall - apartment damage - is not going to make the list. The most important assets you want to make sure you have covered are personal belongings, such as electronics, food, and other items that could be lost, damaged, or stolen in the event of an unforeseen circumstance.