<prompt> Human: OK. So I am moving into my girlfriends condo that she owns. There is no lease agreement, and I am just paying her my part of the money every month. Do I need renters insurance?  <response>: Yeah, probably. Even if she has homeowners insurance, many of them wont cover the property of a gfbfroommate who isnt named on the policy. She could check with her insurance company to be sure, but anyway, renters insurance is super cheap and totally worth it. 