If a tornado or fire ripped through your apartment today, your landlord would not be responsible for replacing your personal contents. The owners of a building are responsible for the building and their contents inside, like a refrigerator, said Denise Gurtiza, senior in accounting and office manager at Tim L. Engle's American Family Insurance Agency. That means tenants are responsible for their own personal belongings, Gurtiza said. Tim Engle family life insurance company family life insurance company said many renters do not realize this. "Many people believe that their contents are covered by their landlord's insurance, but this is not true," Engle said. Most students, however, are covered to some degree by their parents' homeowner's policy. "Most homeowner's policies will cover the damages sustained for those students who are single and still consider their parents' home their home," Engle said. "But this may only be partial coverage. "It national benefit life insurance company family life insurance company is best to contact your parents' insurance agent for details." Leslie Mills, secretary at State Farm Insurance, said the question is whether you feel adequately covered by your parents' homeowner's policy. If not, you may want to consider renter's insurance. Renter's insurance provides protection against things like fire, lightning, windstorm, theft and power surges to appliances. For a person to get renter's insurance, everybody in that person's apartment must also have cargo insurance companies family life insurance company renter's insurance. "Everyone must have their own policy," Gurtiza said. "Everyone is covered, or nobody is." Gurtiza said everyone must be covered because insurance fraud would likely result if only one person was insured. "You don't need pictures or serial numbers of your items," she said, "but you could videotape or list your personal items to be sure you claim everything you lost." Gurtiza said the videotape of your personal items jackson national life insurance company family life insurance company should