A standard policy for renters in Utah will offer protection for:
If an armchair in your living room is damaged by a covered risk, a rental policy helps repair or replace it. Likewise, if someone steals your backpack on a hike, it will help cover that, too.
If an incident in or away from your place results in a lawsuit, renters insurance can cover legal costs.
If a friend breaks his ankle carrying something down the stairs in your apartment, coverage could help with their health care bills.
Added living expenses
If a covered risk makes your home uninhabitable, a renters policy will help with incremental living costs (hotel, food, etc.) while repairs are made.