I Have 2 Roommates In An Apartment. Do All 3 Of Us Need To Get Renters Insurance? 
This information is based on knowledge on the most basic level : Yes you do . Typically in insurance , if you do n't own something , you ca n't insure it . So for example if each of you have a TV in their bedrooms , and a fire destroys the TVs , one person 's insurance may not claim all 3 TVs because he did not own all 3 TVs . You may typically only insure what you own based on Michigan insurance guidelines . 