Why Would I Need Renters Insurance? 
Primarily renter 's insurance is designed to protect your personal belongings that you have in your home that you rent . Renter 's insurance may replace items that are stolen from your home , or are damaged or destroyed by fire or flooding . You need to inquire with your insurance agent as to exactly what kinds of incidents are covered by any particular policy . For example in areas that are prone to hurricanes or tornadoes you may need to buy a rider in addition to the basic renter 's insurance , or you may need to buy hurricane insurance specifically . 