<prompt> Human: Hey r, want sure whether to put this in insurance or housing. Feel free to redirect me if this is somewhere else but I didnt see anything on the insurance section.Basically wondering if anybodys had any experience with renters insurance and whether its worth it assuming your landlord does not require it. Im not required to get it, but I got back from overseas about a year ago, and Ive spent the first year at my first real job stocking up on things I need for my new life e.g. appropriate clothes for the job, apartment stuff, etc.. Its been hard to save up any money and I know if these things were damaged stolen it would be really hard to replace them.Geico offered me a quote of about 155 for a years worth of coverage. Ive had really good experiences with them so far compd me for some stolen saddlebags off my motorcycle, pretty quickly too but I know nothing about renters insurance. I also dont live in the best neighborhood and have some less than pleasant neighbors that I sometimes worry might break in. I keep very good care of my apartment, have some nice things and Ive seen folks peeking in if I live the door open even for a second. Is it worth it for the peace of mind? Or do they do everything they can not to cover you?EDIT: To clarify, the policy would cover up to 10,000 of personal property and I probably have about 4k to 5k worth of stuff in there.  <response>: yesrenters insurance doesnt just cover your stuffit also covers you if your negligence happens to damage the rental unit that youre renting. if you left a window open that caused water pipes to freeze and burst 