<prompt> Human: Ive never had it before but now need it. Suggestions? Do you mind sharing what youre paying, and what it covers? Or: Great deals? Horror stories? Saved-by-the-renters-insurance stories? Etc.EDIT: thanks for the info, everyone.EDIT 2: started calling around after reading through some of the posts. The quotes I am getting are in the ballpark of 20mo, which seems high compared to the coverage many of you have. Ill keep shopping around. Several people mentioned getting it as a package with car insurance; I do not own a car, so no car insurance.  <response>: We have: 20,000 of personal property coverage, 8,000 of additional living expenses coverage, 100,000 of personal liability and 1,000 in Medical Payments and you got me thinking about reading through the policy to figure out what that 1,000 Medical Payments is because I have no clude lol. I see it also includes identity theft resolution assistance. No flood rider ok where we arePremium is 125.00 a year I split with my sister. Company is Erie Niagara Insurance.Basically, if the house burns down, well be able to replace furniture and shit.Edit: 500 deductible 