The answer here is some one or two circumstances will dictate when you buy renters insurance.
1) you come to realize that all of your "stuff " would be hard to replace and expensive too. So you have an interest in buying renters insurance . Or 2) your landlord is not taking any chances with you and your ability to pay for damages you cause or contribute to and requires that you have some coverage in place.
1) you come to realize that all of your "stuff " would be hard to replace and expensive too. So you have an interest in buying renters insurance . Or 2) your landlord is not taking any chances with you and your ability to pay for damages you cause or contribute to and requires that you have some coverage in place.