So, judging by the screaming in the hallway of my apartment building today, my neighbor’s apartment was broken into. I probably should have bought renter’s insurance a long time ago, but honestly, I don’t have that much stuff and I just never got around to it. Plus, I’ve never taken out insurance of any kind before (well, okay, I have health/dental insurance, but it was required by my grad school and I just had to sign the paper, no deep thought involved.) and I’m unclear how this works.
What should I watch for? I live in an itty-bitty little efficiency apartment. All I really own is my clothes/bedding/dishes, some books, a few used DVDs, my laptop/camera and some personal stuff (homemade magnets, plants, teddy bear, pictures, etc.) No valuable jewelry, no TV, or anything else. Is there any specific policy I should look for? Clauses to watch out for? What is standard for renter’s insurance anyway?
I’m kind of more worried for my cats. Everything else can be replaced, but I don’t know what I’d do if they escaped because some jerk broke in. This is not a good area for sheltered indoor cats to explore. But I can’t think what I could do to possibly protect them, and they are going to live with my parents for a couple months in a few weeks anyway.
I’m rather grateful I’m moving in seven months. Oh! Can I get a policy for less than a year? I’ll graduate in May '09. Will they let me do that?