You can never have enough money or enough insurance.   We live in a world full of risks.  Disaster strikes at the most inopportune times.  My sister in law just had a major disaster at her apartment.  She didn't have renter's insurance, but she wishes she did.
The sprinkler system and my sister in law's apartment malfunctioned [...]

Renters need flood insurance.  You might think flood insurance is only for home owners.  However, renters are just as vulnerable to flood damage.  Here are the reasons renters need flood insurance too.
How much would it cost you to replace everything you own right now?  Try to estimate the dollar amount in your head or on [...]