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If you are renting out a place, then the answer is YES. Even though you are not owning the entirety of the building, you do own the stuff, isn’t it? The best way to ensure your stuff is protected is with a comprehensive Renters Insurance plan.
Renters Insurance Coversfrom Find a Plan can financially cover:
While some homeowner policies offer some coverage, not in all situations. You must always check the rent policy to see what’s covered and what’s not. You can also get a rental insurance quote and make sure you have got the right coverage.
Considering the depreciating value, the typical plan covers the cost to replace the items minus the depreciation. That means it will not cover the total cost to replace something.