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johnathan follows me on Twitter Dave do you recommend renters insurance absolutely the problem with not having renter's insurance is two things one is the things that you own inside that rental property have no insurance on them for theft or fire someone backs a truck up and takes all your stuff you've got nothing place catches on fire you got nothing and then there's even a little bit of liability coverage typically in a renters policy so if someone trips over your coffee table and Sue's you you have a liability policy that would cover you somewhat on that renters insurance in most areas of the country around 300 bucks a year got you a little apartment a little rental house and that recovery about $20,000 worth of contents inside of there which would cover most people who are renting stuff that's not gonna buy your brand-new everything but it'll at least get you something to sleep on and something to sit on right if something happened renter's insurance given that it's only 15 20 bucks a month 30 bucks a month is ridiculous to not have so get with your insurance broker jump on Dave Ramsey comm click on the L P 4 P and the C property and casualty insurance where you get your car insurance where you get your homeowners insurance and you can get renters insurance there and they will shop among several different companies and get you the best price that's how you always want to buy insurance is the right broker not through a captive agent a broker shops several companies and get you the best deal captive agent is a brand name that sells only their own insurance there's no comparisons across brands and so when you go to a State Farm or a nationwide you just Allstate you just get what they got that's a captive agent when you go to a broker they'll shop across several different companies and the best policy for you whatever it is in your situation whether it's renters or homeowners or car insurance or life insurance or whatever insurance period that's the way you want to buy insurance because it's basically a shopping service is what a broker is and they've got your best interest at heart they're not just trying to peddle the company's wares and that's a big deal renters insurance absolutely vital that you have renters insurance I remember years ago before I went broke I had a whole bunch of properties that were in the lower-income end of town and one of the saddest things I ever saw one of our properties caught on fire and not ain't fault of ours and I don't remember how the fire started but it was just a fire I don't know whether the tenant caused it but wasn't something that was the landlord's fault but my stinkin house burned down you know basically and of course we had insurance on it as a landlord on the house it's called fire and II see in that situation fire and extended coverage not homeowners but I'll never forget going over there and the poor people that were living there they said well now when do we get our check I said your check your check for what for our might for our furniture and our clothes I said honey you don't get a check I can't have insurance on those I can't legally cover your stuff I don't have what's called an insurable interest and the poor tenant I mean they had no renters insurance and just broke down crying because they had nothing we ended up having to do like a fundraiser thing in the neighborhood there to get them some money to get some stuff together and help them get started again but it was just really sad I mean they had nothing they didn't have a lot to start with but they had less after that fire so always always get renters insurance always you'd be amazed at what a theft will set you back or what a somebody kicks the door and hauls off your stuff you know it's a big deal