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My wife and I got our renter's insurance practically for free, since having it gave us a better deal on our car insurance. Even though we don't own many valuable things, it'd be nice to be covered if we became victims of burglary.
You may also be liable for things like water damage and kitchen fires as turbo6bar points out. A renter's insurance would cover that.
The net cost to to us is something like $100 a year, which is peanuts compared to what we pay in rent. It may be a good idea to look into, even if your landlord is not bringing it up.
/ J
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'86 coupe
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