<prompt> Human: As my username suggests, Im a building director for a college residence hall. Part of my compensation includes an apartment fully furnished by my university. All of my furniture and major appliances are supplied by the university as well. I provide my own decorations, electronics, etc. Is renters insurance something I should consider? Should a flood, fire, or robbery happen in my apartment, everything of value that I own is easily replaceable; the three things of high value that I own are my TV 300; I can live without a TV, though. I use it only sporadically a few times a week, a stand mixer 215 and my laptop 400. Everything else is small ticket items clothing, shoes, kitchen gadgets, ect that probably wouldnt be worth putting in a claim for. Im going to be changing car insurance providers soon, and the provider Im looking at offers an extremely inexpensive plan starting at 12month. Is it necessary or recommended that I pursue renters insurance, given my situation? In the case of the above, most of the items in my apartment would be a cost eaten by my employer. Just not sure if its worth the nearly 150year cost.Thank you!  <response>: Do you already have car insurance?Adding renters insurance qualified me for a multi-policy discount that saved me more than the cost of the insurance. It was and is literally free.Renters insurance also covers you from liability if something you do causes harm to another person, or to the structure. 