Well after our area being ravished by bad storms and tornadoes it got me thinking some kind of insurance would be good! now i only rent but how do i protect my items from a natural disaster? i really dont have to run the tv down to the basement if a tornado comes so how does insurance cover your stuff, i dont have all the receipts to everything so how would they know what i had? does it cost alot to have i am already broke so i cant afford much, i dont have to worry bout flooding if that happens illinois will be under water lol, just give me some ideas on what to look for and get and any info..... thanks! i just want to make sure im not a homeless person with nothing if something happens!