An Allstate renters insurance policy will protect your personal property, as well as yourself, from common forms of damage (such as due to fire, extreme weather, theft, vandalism, smoke, etc.). Available standard coverages include personal property (e.g. clothing, electronics, furniture), liability (medical and legal expenses if a guest injures themselves in your rental), and schedule personal property (a higher form of protection for personal belongings – typically used for expensive items). Additional coverage types (i.e. flood, personal umbrella) are available as add-ons.