It's hard to imagine anything happening to your valuables, but unfortunately incidents can occur at any time. Here are some risks specific to your area.
Urban property crime
Living in the big city has a ton of perks, but it also comes with an increased risk of property crime. In 2011, Newark reported about 2,400 burglaries, with Jersey City not far behind at more than 1,400, according to the New Jersey Department of Law & Public Safety.
Renters insurance helps replace your valuables if the worst happens. In fact, even the New Jersey state government recommends carrying renters insurance.
The Garden State: plant life requires precipitation
New Jersey boasts about 10,000 farms covering almost 800,000 acres of land, according to the state's official website. All that greenery requires a lot of rain, which the Garden State gets plenty of.
If your roof springs a leak from all that rain, renters insurance will help cover the cost of your stuff that's damaged inside the apartment.