How expensive is renters insurance?
Renters insurance is typically available for as little as $100 a year.

Does my landlord's insurance protect me?
Generally, no. The property owner's insurance covers the building itself and seldom a tenant's possessions. Clarify this with your landlord before signing a lease.

Is my landlord liable if someone trips in my apartment and gets injured?
Again the owner's policy may specifically exclude liability for something that occurs within your rented residence. You could be held liable for injury to another person or damage to another person's property if the incident occurred within your rented residence.

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