Which of the following would typically be covered under a renter's insurance policy?

• A. Damage to the building's roof caused by a storm
• B. Personal property damaged by a kitchen fire
• C. Wear and tear of the apartment's appliances
• D. Flood damage to the apartment's structure

Answer: (B)

Verified step by step guidance

1. Step 1: Understand the scope of renter's insurance policies. Renter's insurance typically covers personal property, liability protection, and additional living expenses in case of covered events. It does not cover the building's structure or wear and tear.
2. Step 2: Analyze the options provided in the problem. Damage to the building's roof caused by a storm and flood damage to the apartment's structure are typically covered by the landlord's insurance, not renter's insurance.
3. Step 3: Consider the wear and tear of the apartment's appliances. This is a maintenance issue and is not covered under renter's insurance policies.
4. Step 4: Evaluate the option of personal property damaged by a kitchen fire. Renter's insurance generally covers personal property damage caused by events like fires, making this the correct answer.
5. Step 5: Conclude that renter's insurance focuses on protecting the tenant's belongings and liability, not the physical structure or maintenance issues of the apartment.