Yes, renters should have insurance for several important reasons. First, renters insurance provides coverage for personal property, such as furniture, electronics, and clothing, in the event of theft, fire, or other covered perils. Second, it offers liability protection in case someone is injured while visiting your rental property, or if you accidentally cause damage to someone else's property. Third, renters insurance can also provide additional living expenses coverage if you're temporarily unable to live in your rental due to a covered loss. Furthermore, many landlords require tenants to have renters insurance as part of the lease agreement. Additionally, renters insurance is generally affordable and can provide peace of mind knowing that you're financially protected in case of unexpected events. It's important to carefully review the policy to understand the specific coverage and any limitations. Overall, having renters insurance is a smart decision to safeguard your belongings and protect yourself from potential liability.