Hi,

My name is XXXXX XXXXX X'd be happy to Answer your questions today.

If the property catches fire, your renter's insurance will cover it. The landlord's homeowner's insurance will not cover your personal belongings if something happens to your personal items. That's also true, for example, if the pipes burst, or if anything else happens. You're not covered by the landlord's policy, so it's always a good idea to have your own. Depending on where you live, you may also want to add earthquake or flood insurance to your policy.

As far as the guns go, call the insurance company and ask. They may not be covered by the general policy, but you can probably add them. Also, check to see if you have replacement value (what it costs to get new stuff) or actual value (what all of your used belongings are worth - which is significantly less).

If you're concerned about the cost, you may want to call around for some quotes, or see if you can increase your deductible for a lower monthly payment. But renter's insurance is a good idea in most cases.