Many landlords today require renters insurance from their residents. It's a good idea. Renters insurance protects you in cases of negligence (intentional or unintentional), and also protects your landlord, to a certain degree.
It also protects you in case of accidents -- a guest falls down the stairs; a neighbor trips on the sidewalk outside; someone falls off the balcony; and my personal favorite, the tub overflows and floods the downstairs apartment…
The cost is reasonable, roughly $15 per month. Check with your insurance agent, or contact our insurance agent, listed below. He can answer any questions you may have.
State Farm Insurance
11431 Gravois, Suite 2
St Louis, MO 63126-3600