If you rent your home or apartment, you should seriously consider getting renters insurance. True, your landlord is responsible for insuring the building against fire and other disasters, but neither your personal property nor liability is covered by your landlord’s insurance. Protect against...

  While landlords buy insurance to cover the structure of the home and their own liability exposure, landlord insurance won’t cover the personal property or liability for a tenant. If there is a claim of injury or property damage because of negligence, the claimant or the...