As you start to fill your home with furniture and food, or even set up the internet and cable in your living room, keep in mind that you aren’t quite through with some of the expenses that are often associated with moving into a new apartment. Instead, you’ll also need to set up renters insurance in order to protect your personal belongings, as well as the property that you are living in. While some people think that it’s more of a common courtesy than it is a necessity to have renters insurance, the truth is that renters insurance is an investment that is certainly worth having.

Even though you may never use renters insurance over the course of time that you live in your apartment, you will be much happier to be covered in the event that you do have to use it. After all, you may be liable for tens-, if not hundreds-, of-thousands of dollars in damage or repairs in the event that something ever happens to the place that you are renting.

If you still aren’t swayed, here are some other possible scenarios that show just how helpful renters insurance can be.

Natural Disaster

Even if you take excellent care of your personal belongings and do all that you can to keep your items safe, there’s nothing that you’ll be able to do if a natural disaster occurs and damages your home. No matter where you live, there are natural disasters that can happen at any given moment. From a fire to a flood, a hurricane to a tornado, no place is safe from natural disasters.

In the event of a natural disaster, renters insurance can help you start piecing the parts of your life back together.

Theft

People have their homes broken into every day. Some criminals even go to such lengths that they will do whatever it takes to break into, and steal from, any home that they can. If you have your personal belongings stolen, you could end up losing an entire lifetimes worth of assets. If you aren’t covered with renters insurance, you’ll be on your own as you try and repurchase the things that you need most. However, renters insurance will provide you with financial support to help you make some of the purchases after a break in.

Common Neglect

Even if you live in the safest community in the country, you still cannot avoid the fact that common neglect causes problems in homes around the world every day. Whether it’s someone forgetting that the stove is on or an animal getting into something they shouldn’t, apartments are very fragile when it comes to the actions of others. If a neighbor or other tenant in your apartment causes an accident, then your life could be in danger as well. Luckily, renters insurance will protect you from many of these common problems that might happen in life.

There is no telling when life’s little surprises are going to spring up. For those that are renting an apartment, they need to make sure that they are protected from those surprises in the best way possible.The best way to do that is with renters insurance for your apartment.