DO I NEED RENTAL INSURANCE

"The landlord's insurance covers me."
Your landlord's insurance generally only covers the building where you live - not your personal belongings and your liability.
"I don't need personal liability insurance."
Your landlord's policy most likely does not include liability for something that happens in your rented residence. You could be held responsible for injury to another person or damage to another person's property if an incident occurred within your rented residence, or elsewhere. Without liability coverage, your current and future earnings could be at risk. Renters insurance may also provide legal defense costs.
"I don't own very much."
Most people's belongings are often worth more than they think. That's one reason why you need Renters Insurance.
State Farm renters insurance is flexible, allowing you to select the coverages and insurance amounts that suit your needs.