Get Renters Insurance
This was my apartment building seven and a half years ago, one of the most frightening nights of my life. But I was one of the lucky ones because I had renters insurance (thanks to Mom -- see, I acknowledge you once again for that) and was able to start over, even if I was under-insured. You have no idea how expensive it is to start from scratch (and I do mean from nothing). Renters insurance is cheap. Get lots of it. If you're really smart, take video inventory of all you own and keep it at a friend's house or in a safety deposit box. You'll be making your life so much easier.