About Renters Insurance Unfortunately, sometimes bad things happen. We get car insurance, homeowners insurance and health insurance to be on the safe side. But what if you are a renter? Who protects your belongings and makes sure you are not held responsible for personal or property damage at your apartment? If you rent an apartment, condo, or home, rental insurance is your safeguard against property loss and personal liability. Imagine the following scenarios: What if all your clothes, TV, computer, furniture, and other belongings were destroyed by fire? Could you replace them, immediately, out of pocket? Could you be held liable if your friends or family were injured on the apartment grounds or in your apartment? What if your apartment unit was broken into and your personal property was stolen, how would your belongings be replaced? Fire. Injury. Robbery. These are just a few reasons why people get apartment renters insurance. It is up to you to protect your belongings ...