If you are a renter, almost every lease has a provision that says if an event happens that damages your property, the landlord will not pay for it. If someone breaks into your apartment and steals your laptop, the landlord has nothing to do with that and will not reimburse you. This is why you should buy renter’s insurance. Renter’s insurance is inexpensive, with an average price at about $15 per month in 2020. It covers fire, damage and theft.
You should also ask for liability to be included in the policy. This will protect you if a visitor gets injured in your apartment or if your dog bites the neighbor. Also, it is helpful to keep photos of your important property. Take pictures of your new laptop, your television, and expensive jewelry (include receipts if possible). This will help you establish your claim to the insurance company if you have a loss.