What does renter's insurance typically not cover?

Renter's insurance is designed to protect tenants' personal belongings and provide liability coverage, but it typically does not cover damage to the landlord's property. The landlord is responsible for insuring the physical structure of the building and any common areas, while renters are responsible for their personal items inside the rental unit. This distinction is crucial because it delineates the limits of renter's insurance. Coverage for personal property from theft or fire, liability protection for incidents that could happen within the rented home, and temporary living expenses incurred due to repairs needed after a covered loss are all standard aspects of renter's insurance. Thus, the correct answer highlights that renter's insurance is not intended to cover the property owned by a landlord.