I received my Renter’s Insurance Policy in the mail, and in reading the caveats and exceptions I found myself wondering exactly what the point was. After all, I’m not covered for losses arising in the event of floods, including mudslides caused by heavy rain, earthquakes, including aftershocks and any fires caused by earthquakes, riots, acts of terrorism or war, or space aliens zapping my house with their mega death ray.
But they will be more than happy to offer me supplemental insurance, at an additional cost.