We own so we have homeowners insurance but I would definitely recommend renters insurance.
When our apartment was broken into, nothing was covered because we didn't have renters insurance and honestly we didn't even know about it until after that happened.
My husband recently relocated to Wilmington, NC. We rented an apartment for him until next spring, they required that you carry renters insurance.
We own our home, and by own, I mean it's completely paid for ... insurance is no longer a requirement, but there is no way we'd ever be without it. When I did rent, whether it was required or not, I had it; it's a safety device that in my opinion is something you should always have. It's one of those things that if you never have to use it, then great, I still don't see it as money wasted; but if you ever do need it and don't have it, well ... you are just up a creek without a paddle. Better safe than sorry I say. I say you should definitely get it; if you have to scrape somewhere else to get it, do it!
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