If you live in a rented space (home, apartment, condo, townhome) and own… well, anything, you most likely should have a renters policy.
Your landlord’s or apartment complex’s insurance policy isn’t enough. It most likely only covers the physical building you live in and not your personal property and belongings.
Additionally, if someone is hurt in your apartment, you might be held liable. Renters insurance helps protect you against these potential claims.
Finally, renters insurance can help save you the expense of temporary housing if your rented space is damaged and you cannot live there.
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