1. Your Personal Property
This includes your clothes, electronic equipment, small appliances, linens, furniture ALL of your belongings.
In the event of a loss, could you afford to pay out of pocket for ALL of your belongings?
3. Liability Coverage
You light a candle in your apartment and that candle causes a fire. If that fire affects other apartments, could you afford to pay for damages?
If someone trips and falls while in your apartment, you could be held responsible for the cost of medical expenses or lost wages.