If you’re renting an apartment or home and a fire or other disaster damages your rental or personal property, you’re correct in assuming that the landlord has enough insurance to cover his losses. But that policy only takes care of what he owns, such as the structure or his furniture, if the place is rented furnished. It does not cover any of your possessions. So to protect yourself, you’re going to need renters insurance. Here are some additional reasons to sign up for this policy.

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