You no doubt have personal property in your rented home. Renter’s insurance covers that. Furthermore, your landlord may even require it in some states. It also provides liability coverage, generally up to or over $100,000.
If you’re away from home, your personal property is covered by renter’s insurance. Losses incurred on personal property in your car may also be covered by some policies. It may even provide for out-of-pocket living expenses should your rental become unfit for living.
Finally, it really doesn’t cost much, especially in comparison to the peace of mind that you will obtain.