There is one small caveat which I think is far outweighed by the benefits - I had my car broken into at a restaurant where my Surface 4, a macbook and my notebo

There is one small caveat which I think is far outweighed by the benefits - I had my car broken into at a restaurant where my Surface 4, a macbook and my notebook (the most valuable thing!) was stolen. Renters insurance fully covered it. but three years later in another state, one insurance company refused to offer me renter's insurance because of this incident ( per the agent). I had to go to a different company.