Does homeowners insurance cover a renter?

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No. That's what renters insurance is for.
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What renters insurance usually covers?

your personal property, loss of use of your apartment and your personal liability. the policy has conditions - generally you need a "covered cause of loss" for coverage on you

Does homeowners insurance cover renters belongings when their house was broken into and items were stolen?

If you are the owner of the house, and are renting to tenants (making you the landlord), then you only have insurance on the house (dwelling coverage - not homeowners coverage

Does renters insurance covers a locksmith?

I cannot see any way that a covered cause would require you to get a locksmith. If the damage was not caused by a covered cause then no it will not pay for a locksmith.

Will homeowners insurance cover personal injury to a renter?

No. First, if you are renting the home, you cannot insure it under a homeowners policy. If the home is not owner occupied for 90 days coverage ceases immediately. You must hav

What is covered in renters insurance?

Renters insurance primarily consists of property coverage andliability coverage for the named insured. Coverage is available for the renters personal belongings in thehome (