You insure your car, your health, as a renter, what would you do if your possessions, furniture or clothing burned, were stolen or water damaged. If you do not have the savings to replace damaged or destroyed possessions, you may be advised to check into renter’s insurance. The landlord’s insurance only covers the the building, not your treasures.
Renter’s insurance in inexpensive making it is worth a phone call to an established national insurance company and asking a few questions and buying to protect your items and to have peace of mind. Here is a money article about renter’s insurance in US News and World Report.