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While landlords and property managers will have their own insurance that protects the structure of the building/home, their insurance will not cover your personal property. You should consider renters insurance to replace your belongings if they are damaged or are stolen. 

Check with your auto insurance company or other insurance companies for a bundled price quote. You can also ask your parents to see if their homeowner’s insurance covers your property.

Generally, renters insurance is very inexpensive. You can typically be covered for $10 to $20 per month, which is often less than the cost of insuring your phone.