The owner is responsible for insuring the structure in which you reside as a tenant from fire, water, wind etc.
However, your personal belongings are not covered under the owner's insurance policy. Whatever insurance company carries your auto insurance is probably a good source for you to obtain personal property insurance which covers your furniture, electronic devices, clothing, jewelry, etc. Personal property insurance is not expensive when compared to replacing your items.
Protect your personal property by obtaining an insurance policy.
