Why Do I Need Renters Insurance?
Just because your landlord has coverage doesn’t mean that you do too. In most cases, your landlord’s insurance policy covers only structural damage to the building itself. Renters insurance protects your possessions in case of a covered loss from fire, smoke, lightning, vandalism and theft. It also extends beyond on premise theft and hazards, covering property that is stolen from your car or is lost or damaged anywhere you happen to be.