We highly recommend that you obtain renters insurance for your personal property that could possibly be damaged during an incident such as water damage, theft, vandalism, fire, or smoke. Accidents do happen so it is better to be prepared. Landlords are not responsible for loss or destruction to your personal property. This type of inexpensive insurance is readily available by many insurance companies. If you have any questions, do not hesitate to contact us at (718) 856-4900.