Standard renters insurance plans in DC cover three main areas: personal property, personal liability, and loss of use. As the name implies, personal property coverage covers your belongings if they’re lost or damaged due to a covered event, like theft, severe weather, or vandalism. Bear in mind, however, that the amount of coverage for personal belongings is determined by your policy’s limit, and you should consider purchasing additional coverage if the total value of your possessions exceeds your policy limit. Personal liability coverage protects you against any expenses you would face if found liable for damage to others’ property or personal injury suffered by third parties in our home, with most insurance providers covering a minimum of $100,000. Lastly, loss of use coverage ensures that any additional living expenses faced following a covered event that renders your home uninhabitable, like hotel bills, are taken care of if you need to find temporary accommodation following a covered event. In addition to the standard coverage offered by renters insurance companies in DC, you may also want to consider purchasing additional coverage if you run a business from home and want to protect any business-related items stored at home.