These are some of the types of losses for which your personal property is covered:

Loss of use - Coverage pays the additional costs of living in hotels, eating in restaurants, etc., while your living quarters are uninhabitable due to an insured loss.

Improvements, alterations and additions - Improvements, alterations and additions to rented property, up to 10 percent of the amount of coverage on your personal property are covered undered this section.

Emergency first aid - Your coverage pays expenses you incur for necessary medical and surgical aid to other people at the time of an accident covered by the policy.

Damage to property of others - This coverage pays replacement cost up to $500 per loss for damage to property of others caused by a qualified family member where you are not legally liable.

Personal articles floater - This extends coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in the policy. It pays up to the insured value of the article.

Contents replacement cost - Extend the coverage on your person property to include the cost of repair of replacement without deduction for the depreciation, but no more than the policy limit, with this option.

Personal Umbrella Liability (Separate policy) - This provides coverage for $1 million or more of excess personal liability coverage and, subject to exclusions, coverage for many situations not covered by your renters insurance.

Please take note that coverages will vary between companies, this is simply a guide.  Ask your agent for policy details.