Hijack, public service announcement -

Check your insurance policy now, even if a renter.

If you do not have full replacement cost insurance, you are going to get hosed. For example, the PC I am typing on cost about $800 six months ago. With full replacement, I get the cost of a comparable PC. Without full replacement, I get the depreciated cost of the PC, roughly $400, no kidding.

If you are a renter and don't have insurance, get some. Now. You wanna trust the clown down the way to not start a fire? Thought not.

On a side note, Homeowners/renters does not, will not, has never, covered floods. If you live in a flood plain, get flood insurance. Totally different animal.

We now return you to your regularly scheduled discussion...