This is an affordable option to cover your personal belongings and liability if they are stolen, destroyed in a fire, or another natural disaster, and can cover additional living costs if you have to relocate due to a natural disaster. 

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The liability protection can also help cover you from a liability lawsuit by damage or an injury and even covers any damage by your pets. The medical payments is a beneficial option if there is injury in your apartment and ensures that expenses can be paid without a liability claim filed against you.