Rohan Ghosh, upon moving into a rented apartment in Kolkata, India, recognized the importance of protecting his personal belongings with renter’s insurance. He understood that the landlord's insurance only covers the building structure, leaving tenants responsible for their own items. To ensure adequate coverage, he created a detailed home inventory, estimating replacement costs for his belongings, excluding those provided by the landlord. Experts like Ashwini Dubey, Head of Home Insurance at Policybazaar, emphasize that many tenants mistakenly believe their landlord's insurance covers personal property damage from events like fires or floods. Instead, tenants should consider a home contents cover that protects their belongings, including furniture and electronics. Adarsh Agarwal, an actuary at Digit Insurance, recommends focusing on a content-only cover to avoid overlap with the landlord's policy. Additionally, scheduling high-value items with receipts can streamline the claims process. Upgrading to an open perils policy can provide broader protection, covering items against all risks unless explicitly excluded. However, tenants must be aware of exclusions in their policy, such as items used for commercial purposes or high-value items like artwork. Understanding the specifics of renter’s insurance can greatly enhance financial security for tenants in today’s rental market.