Home Insurance vs Renters Insurance: What’s the Difference? In 2025, understanding the difference between home insurance and renters insurance is essential — especially with rising housing costs and natural disasters. Whether you own or rent, protecting your space and belongings is a smart move. 🏠 What Is Home Insurance? Homeowners insurance is designed for people who own their homes. It protects both the structure of the house and personal belongings inside. Covers the building (roof, walls, etc.) from fire, storms, and vandalism Protects furniture, electronics, clothing, and valuables inside Includes liability coverage for injuries on your property May cover living expenses if your home becomes uninhabitable 🏢 What Is Renters Insurance? Renters insurance is for tenants. It doesn’t cover the physical building — that’s the landlord’s job — but it protects everything you own inside the rental. Covers personal belongings from theft, fire, or water damage Liabil...