Just a word of advice from JFA.
I gets if you own a home,your home insurance is incorperated in your mortgage. If you live in a apartment,and you not have renters insurance you need to buy it. I had it and it a near life saver. Stayin in a SUITE for 35 days and most likly another and another. It costs $1100 a week and has all the amenities.My insurance company which is STATE FARM,Corporate claims department wants me to obtain FIRE REPORT and this 2 days after FIRE. That kinda difficult to do in that period of time. But I know everyone in C'VILLE including the VILLAGE PRESIDENT,the FIRE CHIEF and 2 TRUSTEES,owner of COMPLEX and the MANAGER. And if worse came to worse,the VA has to complexes that would house me for 2 years until i find someplace suitable to live.
So if yoose live in a apartment and have no INSURANCE,go out and purchase now.