Suppose you came home from work to find your apartment totally trashed by a burglar.  Or you walked into your living room and found your furniture standing in several inches of water.  You can't assume your landlord will pay for the damage.

If you have stereos, computers, clothing, jewelry, bicycles, televisions, or other valuables you can't afford to replace if stolen, damaged or destroyed, then you should consider renters insurance. 

Renters insurance is often overlooked by many who rent apartments or homes.  Many renters neglect to purchase insurance because it may seem confusing or that the property owners' insurance will cover damages of their personal belongings.  To clear up any confusion, IINC addresses some common questions to renters insurance.

Approximately 75 percent of renters opt not to purchase renters insurance. While buying renters insurance may seem daunting, it is really as simple as following five easy steps.