As promised I've been nothing but sporadic with regards to my postings of late...bear with me, I'm in the middle of moving and will be in limbo until I find my new place.
Thought I'd grab a moment in between loading up boxes of stuff to mention the need for renter's insurance for any readers who rent their digs as opposed to own them.
One of my students, who ironically enough is an insurance agent, was burgled two days ago while he and his room mate were at work. They assumed their landlord carried insurance against just that type of things and he was stunned to find out that's not the case.
Landlords will almost always carry property insurance against the possibility their tenants will inadvertently burn the place down but they never carry coverage for their tenants belongings. As Dan found out the hard way, that falls squarely on the shoulders of the tenant.
The great thing about it is it's cheap. I insured all my stuff (including a $7,000 Rolex) for about $125 for an entire year while renting a place, which covers against fire/flood damage and burglary etc. If you haven't got it, get it and save yourself the headache.
By the way, I have a great referral for any US readers who fall into the tenants without insurance category...email me and I'll send you the link to the people I use for all my insurance needs.
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