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If you rent your home, your landlord is responsible for insuring the building, but not for insuring your personal belongings. If you think about it, the cost to replace your clothing, furniture, stereo, pots and pans, linens, sporting goods and computer could be a lot of money. Sometimes called apartment insurance, renters insurance covers your possessions from damage and theft. It also protects you if you’re held legally responsible for the injuries to another person while in and around your home. Renters Insurance costs less than you think. It’s easy to protect yourself and your belongings for just a few dollars a month.