[hopeky94]

Originally Posted by temroy2 Thanks for the tip, but we don't have homeowners insurance. We rent. (no renter's insurance either heh)

After everything settles down again, get some quotes from reputable companies for some renter's insurance. In my area, $10,000 in personal property coverage costs like $100 a YEAR (except for mobile homes, they're higher although no one can quite explain that to me! )... I think that price is with a $500 deductible, but a big freezer full of food would easily be worth more than that, since they figure it on the current market price of what you lost!

Just an FYI-- without some sort of personal property insurance coverage (either renter's insurance or personal property coverage in a homeowner's policy), you have no coverage for:
- damage to your belongings caused by fire, smoke, lightning, tornado, water, power outage, etc (landlord's insurance covers building only)
- theft, vandalism, or other damage of your personal belongings, regardless of their location (including things like CDs, laptop, etc that you may have inside your car- they are NOT covered by auto insurance, as they're not "part of" the vehicle :frown:)

And as a final note-- for those who do have property coverage, please review your policy coverages every year or two and/or when a major purchase or improvement has been made. If you've fixed up your home and have $50,000+ worth of stuff, you need more than the $10,000 in coverage that was sufficient when you first moved in and used your parents' hand-me-down furniture!