Is renters insurance worth it?
For most renters, yes. At roughly $12–$20 a month, it covers your belongings, your liability if someone is hurt, and your living costs if your unit becomes unlivable.
What it protects
- Your stuff — theft, fire, many types of water damage, even outside the home.
- Liability if you're responsible for injury or damage.
- Hotel and meals if a covered event displaces you.
Insuregear tip: Your landlord's policy covers the building, not your belongings or your liability.
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