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Typically, there is not a waiting period for renter's insurance. Rates tend to be very inexpensive and often you can request an effective date for the day of application or shortly thereafter.
A renter's policy will cover your personal contents along with many other items. Liability and medical pay (to others) is included.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
There isn’t a waiting period for a renter’s policy from most insurance companies. When the agent writes the policy and submits it to the company there is a period of time in which the company may decide to not accept the risk. If that happens they will notify the customer and give them a future date at which time the coverage will cease, but coverage remains in force from the inception date until the date of cancellation.
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A renter's policy will cover your personal contents along with many other items. Liability and medical pay (to others) is included.