Why Would I Need Renters Insurance? 
Well , if you have enough money saved ad available to replace everything that you own should your rental home be destroyed by fire , you probably do n't need Rental Insurance . If you are sued for damage that you have caused to someone else 's property or for an injury you have caused to another person , and the settlement against you is $ 300,000 or more , and you have the money to lay your legal fees and the total settlement without having your pay check garnished you probably do n't need Renters Insurance . Most people are n't in that situation though , so it is a good idea to talk to your Insurance Professional today about buying quality Renters Insurance . 