Do you need Renters Insurance? Protect Your Personal Property If your apartment is robbed or the apartment above you has a fire, and the water used to extinguish it floods your apartment, your landlord’s policy likely won’t pay to replace any of your stuff. That’s up to you. You have a lot of money invested in your personal property — and it’s worth protecting. And remember, as a renter, you could experience a loss due to something you have no control over. Also, keep in mind your need for liability insurance. Say your friend’s clumsy cousin trips on your sneakers, falls down the stairs and hurts his back. Like it or not, he could sue you for that. Whether or not he wins, fighting that suit could be an expensive nightmare. AAA Agent Tony Rangel Central Florida Insurance ( Metro Orlando / Kissimmee ) 204 West Oak St, Kissimmee, FL 407-494-5867 www.agenttony.com