Insurance Coverage on 4Plex (vandalism and theft)

[Brian Jackson]

Currently we have 2 single family long term rentals. We just purchased a Quadplex and were sent an insurance quote. The agent stated "
I did include some coverage for vandalism/burglary which are optional, however, just want to make sure you are covered in the event of a loss." 

In the policy "Residence Burglary" is $78 per month with limit of $5000 coverage."Vandalism or Malicious Mischief" is $105

The 4plex is in a class C- area if that makes a difference. Thoughts on this coverage and if it is something I should spend $183 a month on?

TIA