In the US, renters insurance is becoming more and more comment to be required by landlords. This is not the case in Ecuador. That said, protecting your belongings inside a rented house or apartment is never a bad idea. Generally, you will not be able to take legal action against your landlord if your belongings are destroyed due to a fire or stolen due to theft.
Having renters insurance is an excellent way to protect your belongings without requiring you to insurance the apartment or house as well.
Schedule a meeting or a call with me about renters insurance.