You finally found a good apartment – it has hardwood floors, a short commute, and a Dunkin’ at the end of the street. The landlord accepted your rental application. Now you’re studying the lease agreement before you sign. It says the landlord requires a renters insurance policy for all tenants.

You’ve finally got your own place! Now, how do you protect it? You’ll need to do much more than lock your door at night. Renters insurance is a must-have for anyone leasing a home or apartment in Massachusetts.

Your landlord may require you to get renters insurance when you sign your lease. Regardless of whether it's required, here's how much insurance you should need.