When Do I Need Renters Insurance? 
That is a great question ! The simple answer is anytime that you put your belongings into someone else 's property , and that person is n't willing to help replace it if it 's damaged or stolen . Most landlords are going to be insured for their building , and not the things that you put there . You are responsible for replacing everything that is damaged or destroyed , and that can be prohibitively expensive . That is a great reason to have insurance ! Thank you for asking ! 