What Do I Need In Renters Insurance? 
Actually the most important part of a renter 's insurance policy , in my opinion , is the liability protection it provides . Personal injuries can occur and the loss can be substantial . Most people buy a renter 's policy to replace the contents of their home . I recommend the contents be photographed , inventoried and a resonable estimate of the cost of replacement be made , then apply for the coverage . It is usually , quite inexpensive . 