If you rent your home, you should already have renters insurance to protect your personal belongings.  If you do not have renters insurance, it may be due to several common myths about renters insurance that many people believe to be true.  For example, many renters believe that their landlord or his insurance will cover property damages.  This is not the case.  It is very rare for a landlord to provide insurance to his or her tenants.  His insurance covers the building and any assets he may have in the unit – you would be out of luck in the case of a disaster.  To learn more about renters insurance read, “4 Common Myths About Renters Insurance.”