Yes the renters insurance is worth it. How would you feel if even the limited stuff that you have was all destroyed because of someone else’s negligence? You wouldn’t feel to great when you also found out that the complex’s liability insurance only covered the building and not any of your things.
You should definitely consider renters insurance, besides some of my clients basically got “free” renters insurance when they bought their auto insurance together with the renters. Basically the discount on the auto insurance was greater than the cost of the renters policy, so they got a great deal.