Congratulations to me! I finally settled on a renters insurance policy and yes it is for actual replacement cost and includes additional coverage for my computer. I also got a discount because they are partnered with my auto insurance company. Part of this process was inspired by some new gal pals, who happen to be lawyers that were talking about how the personal liability coverage works. Prior to my struggles I always had renters insurance, but I clearly did not understand how the personal liability portion worked otherwise I would not have scrimped on it. Well scrimp no more! The deductible is a bit lower than I would have liked, but my EF is not where I would like it to be yet so this made sense.

I can also add a separate rider to cover business property at any time. That came up because for my job I am being asked to travel to multiple locations and I have to take the company laptop. Perhaps I am paranoid, but I do not trust the company to take care of it if something that is not my fault happens and I may not have whatever absurd amount of money they claim it is worth lying around either. On Tuesday I will contact our IT person and get a value from him so they can give me a quote.

I also made major headway on that legal matter that crept up sooner than expected. I was able to just get a free legal consult and did not have to hire an attorney, thank heavens! The amount of paperwork was kind of ridiculous and the time spent in the courthouse was lengthy, but everything was completed correctly and filed. The actual cost ended up being a bit less than I expected, but it still would have been nice to funnel that money into my EF or toward debt repayment. Now I just have to wait for a judge to review it and give their approval, which can take a couple of months. Thankfully I have only had to miss one day of work to deal with this and do not anticipate missing any more. What a relief it will be when it is all over!