How many people believe that Renters Insurance is something worth having?
Thankfully I have never had to use mine but I believe it is worth having. It isn't too expensive for the peace of mind. I would never trust my landlord or apartment owner to replace my items even if it was their fault for my items being lost or destroyed. Sometimes you can get a better rate on rent if you have insurance... not always but sometimes. Hope that helps.
This number has to be in the six or seven figures just from things that have occurred in the past decade. People who've lost everything to fires, hurricanes, tornadoes, water damage, theft, vandalism, etc.that never bothered to pay the $5, $20, or $50 to avoid having to start over.
I believe if you're renting that it's worth it and if you own you should have homeowner's insurance as well.
Keep in mind if you rent, your land lords policy does not cover your personal items, usually. Next you can get renters insurance practically for free. How? By combining it with your auto insurance. Your auto insurance per month might become cheaper than the cost of the renters insurance per month. I have clients that saved $10 to $20 a month on top of getting their renters insurance for free. In THAT case YES it is definitely worth "buying".
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