<prompt> Human: I just moved into an apartment in NYC Bronx in a new building. Renters insurance isnt required as part of my lease, but Im wondering if it might be a good idea anyway. Has anyone had experiences with renters insurance before? Has it proved to be worth the cost?The fact that its a new building is pushing me towards thinking I dont need it less change of water damage, etc. But the Bronx, being a bit less safe than other parts of NYC Ive lived in, is pushing me the other way. Also, Ive heard that some homeowners insurance will cover personal belongings when traveling for example, laptop theft. Is this true of renters as well?  <response>: I cant imagine why you wouldnt have it.Your building burns down. Your building floods. Someone breaks in and steals everything. Someone shoots up the apartment next door and bullets come through the walls into your stuff.If you dont have tenants insurance, none of your stuff is covered, and you have to pay full whack to replace it. 