Renters insurance usually replaces your personal belongings in case of theft, damage or destruction. It is not the landlord’s responsibility to protect you against these circumstances. If you have a fire in your apartment, or get flooded or even get robbed, you are the one responsible for acquiring the proper personal property insurance for your personal belongings.Usually, the building itself is protected by the landlord’s insurance but does not cover the tenant’s personal belongings. A growing number of landlords are requesting that their tenants get some insurance. Like any other insurance, make sure you know what you are getting for your money.There is a good reason for the landlords requiring renters insurance from their tenants. The insurance that a renter normally acquires also covers liability. This is what the landlord wants. He doesn’t care about your personal computer or your plasma TV, but he does care about the portion of your insurance that covers his property.Insurance can be vital for a renter. It can make a difference when struck by bad luck. For example, if your apartment needs to be remodeled because of a fire or flood, you won’t find yourself bunking in the street. Instead the insurance will pay for your stay at the hotel until your apartment is ready.There is no need for adding more stress to your life than you already have. Buy liability and personal property insurance through a renters insurance policy and get some peace of mind. You already know by now why you should get insurance. Just think of theft, fire and inundations, and here you have plenty of good reasons to buy insurance today if you don’t have one yet. The insurance takes care of replacing your personal belongings and cover your needs while you get your life back in order. There are many insurance companies that will be glad to inform you, online or by telephone, of their plans and prices.There is no reason for not buying insurance when you are renting. It is certainly not the price because it is extremely accessible. The only reason one can think of is ignorance. It is surprising to see just how many people ignore that they can buy insurance for their apartment while renting. This is one of those times when ignorance can be costly.