A tenant or renter's poliy provides protection from the following perils:

fire or lightning
Windstorm or Hail
Explosion
Aircraft
Vehicles
Riot or Commotion
Smoke
Theft
Vandalism/Malicious Mischief
Volcanic Eruption

Some policies also include the following as covered perils:

Falling Objects
Weight of Ice, Snow or Sleet
Freezing of Plumbing
Accidental Discharge from Plumbing
Rupture of Steam or Hot Water Heating System, Air Conditioning System or Water Heaters
Damage from artifically generated electricity

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