First of all, you need it because your landlord’s policy won’t covers your belongings if they are stolen or damaged.
Some managed communities sometimes requires that you have a certain amount of renters coverage so that you can rent, and most important, you need to protect your stuff and yourself.
What's covered by Renter's Insurance?
-Personal Liability: If someone is injured inside the property you are living, the liability coverage pays the bills for the one who was affected, and also cover the costs of a lawsuit.
-Personal belongings: This type of coverage protect all your stuff as clothing, electronics, furniture, and appliances. They are covered against fire, vandalism, water damage and more.
-Living Expenses: As in Homeowner Insurance, in case of your place is damaged and needs repairs, Renters Insurance should pay for your hotel/living expenses even your meals.
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