Will a lapse in my renter's insurance effect my credit score?

So here's the deal... we are renting an apartment and the lease and all the bill's are in my dad's name. However, money is tight and i don't understand why we should be forced to pay the 20$ a month for renter's insurance... especially when we don't intend to stay here for very long. I just canceled my card and got an email that the coverage will lapse if i don't renew the credit card. I just don't want to screw my dad over and have this effect him since it is in his name. Does anyone know how this works? It's with esurance. thank you

BEST ANSWER: Try this site where you can compare quotes:salecarinsurance.xyz

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