If you rent an apartment should you get home owners insurance?

Answer 1

If you rent an apartment, you don't need homeOWNERS insurance, but you you definitely need Renters Insurance, which is a form of homeowners insurance. Most renters' policies will protect your personal belongings from perils such as theft and fire. It will also reimburse you the cost of additional living expenses if your apartment or rented home is damaged by a covered peril. A renters policy will also give you liability insurance; don't thnk for a minute that if someone falls in your apartment that only your landlord will be sued. If your dog bites someone, it will also protect you if you get sued.