Whether you just moved out on your own, or if your renting a home for you and your family to live in - both situations have a very important question... What do need a renter insurance policy for?
The primary reason you get renter insurance is to provide coverage to all your personal belongings inside the home you are renting. No matter if it's a single family, three family, apartment or condo - most of the time your personal belonging will not be covered in the event of a loss. It's important to get a renter insurance quote to protect your cloths, furniture, shoes - basically anything you own that would fall out of your home if you tuned it upside down.
Renter insurance is more than just personal property though. Other common coverage includes Loss of Use and Personal Liability.
Loss of Use coverage pays for the costs you incur for housing and living expenses if a covered event makes your apartment temporarily uninhabitable while it's being repaired or rebuilt.
Personal Liability portion of your renter policy provides coverage for bodily injury and property damage sustained by others for which you or your family members are legally responsible for.