Renters insurance only pertains to items you own, so it doesn’t cover possessions that belong to your roommates or friends. It also doesn’t cover damage to the rental home or property because the policy is designed to protect the contents in a home and not the actual structure.
Does home insurance cover bed bugs?
Renters insurance generally does not cover bed bugs. Deterring and eliminating pests, such as bed bugs, is considered part of standard maintenance of a home and the responsibility of a tenant.