Congrats on the big move—and purchasing renters insurance is a great first step to take!
Renters insurance does not cover damage caused by natural disasters (flooding, earthquakes, etc.) and pests, extremely expensive items, or the theft of your car. There are additional exceptions, but what renters insurance does and doesn’t cover will differ by policy.
Since policies vary from insurer to insurer, be sure to shop around and compare coverage and rates from several different companies when looking for renters insurance.