What happens if a pipe bursts, thieves tear down your window to climb in or a spark ignites a fire? Protect your personal items with a renter's policy. They are great and cheap! The policy will protect your personal items from mayhem, provide personal liability protection as well as providing you with comparable accommodations if you can't live in your apartment or home due to a covered claim.
If I can stress one thing it is the importance in protecting your beloved belongings and carrying personal liability coverage. The recession has opened the door to pilfering and it is important to take the necessary steps to protect yourself from unnecessary mayhem.