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Did you hear about the legal battle between Zorro, Darth Vader, and the security guards at the Venetian casino resort on the Las Vegas strip? 

Not all renter's insurance is created equal. Just because you're paying a premium doesn't mean all of your needs will be covered when an accident happens.

When I first got my California driver license as a 16-year-old, I was frustrated by the provisional license restrictions that make it illegal to drive anyone younger than 20 years old without a parent or legal guardian in the car. I figured, if the state of California trusts me to drive a car, why should they care who's in it? And, I thought, what's the point of saving up for a car and getting a license if you can't drive your friends around and have fun? 

College students living in the dorms can count on their renters insurance to kick in when appliances kick the bucket and spark a fire. Faulty appliances are often the source of dormitory fires, and it pays to be prepared in case smoke or fire sprinkler water damages the personal property you have in your room.