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Renting a home or an apartment doesn't mean you have any less risk of loss. It's up to you to protect your home and your belongings, even if you don't own the property you live in. Renters insurance is an affordable way to make sure you remain financially stable. Protecting your home and your family is just as important when you are renting as it is when you own a home. When you are trying to determine how much insurance you need, start by calling a reputable agent.