<prompt> Human: I have been living at a place and my dogs ended up causing some damage. Is there any chance of me getting renters insurance now and them covering it in a few monthsyearshowever long after when I move out? Or could one of my roomates do it? I have never had renters insurance before, so I am a bit unclear on if it will actually help or if it would be cheaper to just pay damages out of pocket. Any help is appreciated!  <response>: Thats called insurance fraud. 