Why To Get Renters Insurance? 
That is a great question ! Renters insurance is designed to help you replace your things if they are stolen or damaged while living in a place that you do n't own . The landlords insurance will cover his building , but not your things . If you have the money to replace all of your things , or cover yourself from lawsuits should someone be injured while in your home , you really do n't need it . Unfortunately , most people do n't , and that is why an affordable renters insurance policy is such a blessing to have . 