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If you’re renting, you may think that you don’t need insurance at all. Or perhaps you feel you just don’t have money in the budget for it. You may have assumed that if something does go wrong — e.g.

Your home is your castle — it’s where you feel safe and secure and relax after a long day. And of course, you take precautions to keep it safe — you have locks on your windows and doors, and perhaps a security system or a doorbell camera.

The idea of owning a rental property, either stand-alone or converting your home to add a rental unit to make extra cash on the side, can seem quite attractive.