Renter's insurance is even more important, just in case you haven't thought about that.
There were a lot of renters in Joplin that were SOL after the EF-5 tornado hit a couple of years ago. 100% loss of all possessions, no insurance.
Arguing with idiots is like playing chess with a pigeon. You make valid moves while the pigeon knocks pieces over, poops on the chess board, and declares victory.