The landlord of your apartment has insurance, but it probably only covers the building where you live — not your belongings or your liability for accidents. If your possessions are stolen during a break-in or damaged by a fire or severe weather, a renter’s insurance policy can allow you to recover the value of things like your computers, jewelry, sports equipment, and antiques among others. Also if someone is injured during an accident in your home, renters insurance can help protect you in the case a liability lawsuit.
For only pennies a day, you can buy a tenant insurance policy which protects your possessions, whether you rent a house or an apartment. Whatever the type of rental housing that fits your style, be sure to protect everything in your house such as:
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