What Is A Renters Insurance Policy? 
Your property is not covered by the insurance carried by your landlord . The landlord is not responsible for your personal property . If someone is injured on the property that you rent , you could be included in the lawsuit . Where will you go if the property you rent is suddenly uninhabitable ? If someone breaks in and steals your jewelry , television , computer and coin collection , you might want it replaced . Sometimes a landlord requires that you carry a tenants policy . Those are a few reasons to have a tenants policy . 