Like many kinds of insurance, renter's coverage can seem like a thanks, but no thanks deal. After all, if you never end up using it, haven't you just spent a portion of your hard-earned paycheck on something for which you'll never be refunded? Well, sure — you could look at it that way. In 2014, only 37% of renters (including a recent Money Diarist fighting for compensation from the theft of her grandmother's jewelry) had renter's insurance, compared to 95% of homeowners who had an...


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