When To Get Renters Insurance? 
The answer here is some one or two circumstances will dictate when you buy renters insurance . 1 -RRB- you come to realize that all of your `` stuff '' would be hard to replace and expensive too . So you have an interest in buying renters insurance . Or 2 -RRB- your landlord is not taking any chances with you and your ability to pay for damages you cause or contribute to and requires that you have some coverage in place . 