• Liability Insurance, which applies if you cause harm or property damage to other parties —  such as neighbors or friends who visit the home.
• Possessions Insurance, that will pay in the event your belongings get damaged in such events as fires, vandalism, robberies, or similar occurrences.
• Living Expenses Protection to cover the costs of hotel bills, dining costs or similar expenses. Coverage will kick in if you have to temporarily vacate the rental after a damaging peril occurs. 

• If you plan to move states, make sure your agent knows. Different insurance laws apply from state to state, so changes might have to occur with the finer points of the policy.
• Always update the address listed on the policy. If your renters insurance policy still reflects your old property, then, for all intents and purposes, it still insures the old property. If you fail to update your coverage, your new property might have no coverage at all afterward. Even if you just move one unit over in the same apartment building, you need to update the unit number.
• Ask your landlord if they require certain liability insurance limits. You’ll need to update your liability coverage to offer at least this coverage. Usually, you’ll have the opportunity to buy more coverage if necessary.
• Take the time to review your personal possessions coverage limits. If you haven’t updated your limits in a few years, coverage might not adequately reflect the true value of your belongings. 

Moving With Your Renters Insurance 
Most landlords want their tenants to have coverage for rental properties from the moment their leases start. However, at times, it might mean there’s an overlap of the times when your old lease ends and a new one begins. Essentially, you might need coverage in two places at once. 

Often, it’s best to arrange to update your policy before the actual move occurs. Call your insurer and tell them that you will be moving in the coming days. Your agent can tell you exactly how your policy can apply during the moving process. They can also usually start any updates to your policy at that time, so you won’t leave any holes in coverage you aren’t aware of. 

In many cases, you do have a grace period to update your policy from one property to the next. Insurers will often cover your new property for up to 30 days from the time you move into the space. All the same, update your renters policy to the new property as soon as you can. 

When you update your policy, your agent will ask for a lot of information involving the risks on the property. Such items as the location, the type of home, and various features of the property might all influence your risk. Therefore, your insurer can tell you where they need to make changes to coverage to make sure it always protects you.