Think renters insurance is unnecessary? Learn why it’s one of the smartest and cheapest protections you can have.

Your Stuff Is Worth More Than You Think

If a fire, theft, or flood hits your apartment tomorrow, could you afford to replace everything? Most renters can’t—which is where renters insurance comes in.

What Does Renters Insurance Cover?

• Personal property (electronics, clothes, furniture)

• Liability protection if someone gets hurt in your place

• Temporary housing if you’re displaced

• Often includes theft outside the home (like stolen laptops)

What It Costs (Surprisingly Affordable)

Most policies cost $10–$20/month—that’s less than 3 lattes.

What It Doesn’t Cover

• Floods or earthquakes (you’ll need separate coverage)

• Your roommate’s belongings (they need their own policy)

Conclusion: Cheap, Easy, and Totally Worth It

If you rent, you need renters insurance. It’s low-cost, high-protection peace of mind—and future-you will be glad you signed up.