Rental insurance is absolutely worth it. It’s not expensive for tenants, and protects your possessions in case of a fire, burglary or other misfortune. Your landlord’s property insurance does not cover your belongings.
Renter’s insurance offers a certain amount of liability coverage if you are found responsible for an accident in or relating to your rental unit. If you have automobile insurance, you can often purchase renter’s insurance at a discount from the insurance provider.