I Have 2 Roommates In An Apartment. Do All 3 Of Us Need To Get Renters Insurance? 
That is a great question ! Yes , is the short answer . Your roommates insurance company will not pay you for your stuff , or house you , if something were to damage the apartment enough to force you out of it . They will only pay for whomever has the policy , and whatever they have covered under their policy . The rest of you would be out of luck . Nor would they cover your part of the expenses if it was from your apartment that the fire , smoke , water , etc. damage originated . Only the person with the liability coverage will be helped . Protect yourself , and get a policy . They are relatively inexpensive , and can be a Godsend should there be a problem in your home , or with your stuff . Thank you for asking ! 