As a renter, you may need insurance for your furniture and property such as clothes, shoes, audio/video or computer equipment, CDs and DVDs, sports gear, art, jewelry, and other personal items. In the event your contents are stolen, damaged, or destroyed, you a personal contents insurance policy will provide you with mental and monetary relief.
Making a list and taking pictures are a helpful way to determine the amount of insurance you need and in the event you need to make a claim.
In addition to protecting your belongings, renters liability insurance helps provide coverage for accidental injuries that happen within your unit or rental, if you are found to be legally liable—not your landlord. For example, if the cable guy slips and falls down while walking through your kitchen, you might be responsible—not your landlord.