Fact sheet about renters insurance, which "covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing. ... [It] does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage." Covers items to discuss with your insurance agent (such as discounts) and common questions about renters insurance. Also includes a glossary. From the Insurance Information Institute.