Why Get Renters Insurance? 
That is a great question ! You might want to consider a renters policy if you answer `` no '' to the following questions . Can you afford to replace your belongings -LRB- all of them -RRB- if they were to be destroyed ? Can you afford to replace all of your electronics -LRB- phone , computer , tv , stereo/gaming systems -RRB- if they were to be stolen ? Can you afford to pay for the damages if you were to be sued for someone being injured at your apartment , or if your landlord sued you for damages to the apartment ? Renters insurance covers all of those things . I hope that helps , thanks for asking ! 