We do not cover loss to property contained in a building unless the roof or an exterior wall of the building is first damaged by a falling object. (usaa.com)
Your policy pays for losses to your property caused by a long list of renters insurance perils which are written into the policy. (effectivecoverage.com)
That can be exposing someone else to the risk of injury, such as by not covering a swimming pool, or exposing yourself to the risk of loss to property, for example. (effectivecoverage.com)