Is Renters Insurance Worth The Cost? 
That is a great question , and one I get asked a lot . This is always my answer : Unless you have a great big pile of money hidden somewhere , and can afford to replace all of your things , should they be destroyed or stolen , and cover any potential lawsuits , yes , it is worth the cost . Your landlords insurance wo n't cover your things , and if you ever have to use it , your policy will pay for itself quick . Contact me , and I 'll tell you why you want to ask for replacement value when you do . Thanks for asking ! 