What should you do when subrogation claim against me and no renters insurance?

If you receive a subrogation claim against you and do not have renters insurance, it's important to respond promptly. Review the details of the claim to understand the basis and determine if you have any liability. Consider consulting with a legal professional to assess your options and potential defenses. Additionally, you may want to negotiate a payment plan or settlement with the claimant to resolve the matter amicably.