Renters insurance as a safety net
Usually, yes — renters insurance is designed to cover your personal belongings, often regardless of who was at fault, which makes it a valuable safety net separate from any claim against your landlord.
A typical renters policy can cover your furniture, clothing, electronics, and other personal property against covered events like water damage, fire, and theft, up to your policy's limits and subject to any deductible. Because it does not depend on proving the landlord was negligent, it can pay out even when the landlord is not legally responsible — or while a claim against the landlord is still being sorted out.
Renters insurance is usually inexpensive, and many tenants find it well worth the cost after a loss. Keep in mind that policies have limits, deductibles, and exclusions, so the details matter.
Having renters insurance does not necessarily prevent you from also pursuing the landlord when their negligence caused the damage; sometimes both come into play. If your belongings were damaged and you are weighing insurance and a possible landlord claim, a free, confidential review can help you understand how they fit together.
This is general information about California tenant rights, not legal advice. Every situation is different.