Is Renters Insurance Worthwhile? 
Ask yourself these question : If I came home and found that the apartment I was renting as my home had been completely destroyed by a fire , would I have the finacial wherewithall to fully replace all of my lost posessions with items of the same value and quality ? Or if someonetripped over my bike which I left leaning against the house while I went into my apartment to get some water after a long ride , and they broke their arm and I was sued as a result , do I have the finanacial strength to pay their damages ? If you answered yes to those , you probably do n't need renters ' insurance . On the other hand , you could have that protection for pennies on the dollar by paying an insurance company to protect your interests . Your choice . 