Do you rent? Do you have renters insurance? What does renters insurance cover?
Renters insurance covers your personal possessions. Your landlord should have a separate insurance policy to protect the structure but that will not cover your belongings. If a fire damages your belongings or a thief steals your laptop and TV, your renters insurance will cover your losses, minus your deductible. Liability coverage is sometimes also included as part of a renters policy.