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Sadly, renter's insurance does not cover structural damage! The reason is, that as a renter, you do not own the property (structure), so insurance is covered by someone else.
If you purchase a home, along with your personal property, you will then need coverage for your dwelling and unattached structures. A homeowner's policy has many other additional features as well.
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If you purchase a home, along with your personal property, you will then need coverage for your dwelling and unattached structures. A homeowner's policy has many other additional features as well.