When Should I Get Renters Insurance? 
You should get a renters insurance policy before you occupy a unit that requires that you carry renters insurance . You should get a policy before you put your personal property into a unit because the landlord is not responsible for your property , even if his unit burns to the ground , with your property inside . You should get a policy before you move into a new unit in case someone helping you move is injured and it results in a lawsuit . The landlord doesnt have any responsibility for that either . 