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If my landlord or condo association has insurance, does this protect my personal belongings as well?

No! So you need to go out right away to buy some renters insurance, before there's a fire or someone steals all your stuff.

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Plus, renters insurance gives you liability coverage. If someone slips in your apartment and sues you, you'd have insurance coverage.

Last updated: Jan. 31, 2013 Redesign Survey