Do Renters Need Insurance? 
Tenants are responsible for the property and everything that happens on the property . Most people can not afford a judgment from a personal injury or property damage law suit . Most people can not afford to see all their belongings go up in smoke . Your landlord is not responsible for any loss of your personal property or a liability claim . Since you can not afford to take that sort of loss , I suggest that you purchase a renters policy from a trusted agent . 