All this time without insurance for my apartment.

Getitgetitgetit!!! It's really easy, fairly inexpensive (I think I paid around $12/month.) My friends had easily over $5K of electronics stolen, and no insurance.

Yeah, I pay about the same as sarameg for renter's insurance. Actually, I should probably review that with my agent, as I've gotten a lot more electronic stuff since I decided on my policy.

Calli, that is freaky! Glad the insurance co. is on the ball, though.

Check out this petite bulldog/pitbull cross.

Shut UP!!! Sooo cute. There's a female pit puppy in my neighborhood who is that color silver-gray. I have to pick her up and cuddle her every time I see her.

I got renter's insurance when I moved up here. I had never had it before but decided I should get it. Plus I got it through Gieco so I got a discount on my auto insurance (the actual renter's policy is through Traveller's Insurance). It was a lot easier than I thought, I just answered questions over the phone and guessed on some things. I'm pretty sure I got more coverage than what I would need. I paid for the whole year and can't remember exactly but under $200 for the whole year.

I have got to call Progressive and have them add renter's insurance to my auto insurance. I did have it with them once a few years ago, but forgot to renew. I paid around $120 for the year then.

Cute puppers! I want it!

I just got renters insurance. But there is no way my stuff is work $25,000. The only pieces of furniture I bought new are 2 $50 bookcases. I mean, it might take $25,000 to replace all at once, but that isn't really how insurance works, right?

Get the $25K coverage, Sophia. The whole point of it is that, if you have a fire or someone decides to steal absolutely everything you own, you will need to replace all of it. Might as well get it new!

I was at a dog-friendly bar yesterday, and there were TWO puppies: [link]

Get it, ita! You have a LOT of tech, weapons and clothes. I have abut three personal friends who were wiped out when neighbor's apartments caught fire and caused a lot of smoke damage and incidental water damage, and one who's stuff was ruined when the upstairs neighbor's pipes burst and deluged her apartment.

One had insurance, and recouped losses fairly easily and quickly; the others didn't, and they lost almost everything, to the tune of tens of thousands -- normal people, not rich, but we accumulate more than we think.

I mean, it might take $25,000 to replace all at once, but that isn't really how insurance works, right?

That's pretty much exactly how renters insurance works.