Why Do We Need Renters Insurance? 
Great question ! Renters insurance is a good way to protect you from loss . If your rented home burns down , the landlords insurance covers his loss of the house , but not your things in the house when it burned . Renters insurance covers your investment in those things . If a burgler kicks in your apartment door , and steals all of your stuff , the complex 's insurance will cover only the cost of repairing the door . Unless you 've got a ton of money laying around to replace all of the things that were stolen , you 're out of luck . A good renters policy will help you get those things replaced . Look for a policy that offers `` replacement cost '' if possible . If you would like more information , please hit the contact me button , I 'd be glad to help . Thanks for asking ! 