You are an apartment dweller, or you’re renting a loft above a garage, or you rent a small house.  You may think you don’t need insurance, but you do!

You have personal property (your “stuff!”) that could be stolen, or damaged in a fire or other incident. It could be stolen, and “stuff” isn’t cheap to replace!  You might even have jewelry or fine arts or guns that need special additional coverage.

More importantly, you need liability coverage.  If someone is hurt in your rented home, or you cause someone damage somehow even when you aren’t at home, it’ possible you will be sued. Your liability coverage will help you retain and pay for an attorney to clear your name if it wasn’t your fault, or make sure it is a fair settlement even if it was.

So, yes, even an apartment dweller needs to have a type of insurance coverage!