Which item is usually NOT covered under a typical renters insurance policy?

In a typical renters insurance policy, coverage is primarily focused on protecting the personal property of the renter, providing liability coverage, and addressing loss of use. However, coverage for the building structure itself is not typically included. This is because renters insurance is designed for individuals who do not own the property they inhabit; rather, it covers the personal belongings of the renter and offers liability protection against accidents that may occur within their rented space.

The responsibility for insuring the building structure generally falls on the property owner or landlord, who typically has a separate property insurance policy to cover damage to the physical structure of the building. As such, renters must secure their own personal property against risks like theft, fire, and vandalism, while liability coverage protects against claims arising from injury to visitors. Therefore, understanding that the building structure is not covered by a renters insurance policy clarifies why it is the correct choice in this scenario.