Do I need renters insurance as a subtenant?

I'm subleasing a house at the moment. The primary tenant doesn't have renters insurance. As the person who's occupying the place, do I need to get renters insurance?

Answer
That is a great question, and the answer is a resounding yes! The house’s primary tenant would also be wise to get renters insurance. If your personal property is damaged or stolen while you are subleasing, renters insurance will help you to replace your property.
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Jackie Whalen
Answered on Apr 13, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.
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