If you rent an apartment or home, you need renters insurance. While the landlord's insurance policy covers damage to structures like apartment buildings and condos, renters insurance protects your personal possessions inside of the building. The landlord won't compensate you for your stuff.
Also, if someone gets injured on the property, renters insurance releases them from financial strain and liability by paying medical bills and court costs. You never know when something might happen. It's so cheap to get renters insurance better safe than sorry!
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