Do I Need Renters Insurance In Massachusetts? 
Massachusetts does not require you to obtain `` Renters '' insurance as it does auto insurance but your landlord or just good judgment may suggest this coverage be considered . Renters or Tenant/homeowners coverage provides coverage in three principal areas ; Damage to your personal property -LRB- clothing , furniture and/or household items -RRB- , Additional expenses to live in temporary quarters should your apartment or building be damaged or destroyed by a fire , wind or other covered cause , Personal liability coverage should certain acts cause injury or damage to someone , possibly your neighbors or even the building you occupy . Anyone responsible for maintaining a household should at least consider securing this type of coverage . It beats digging into your savings after a storm or fire or waiting for the Red Cross to give you a shirt , a bed and a hot meal . The cost for a basic policy would be in the $ 150-200 per year range . It certainly would be considered as important as maintaining comprehensive and collision insurance on a used car . In fact , simply increasing your deductibles on your car insurance may reduce your premiums enough to permit you to secure a basic policy . 