than I care to admit to. My focus has been on paying those debts off and covering my rent and other bills. I was more interested in spending on travel, delicious meals with friends, things that brought me happiness — life insurance never even remotely made the list. A renter's insurance nightmare pushed me to get life insurance
I quickly put a bucket under the leak, threw towels on the wet floor, and ran back downstairs to ask for help. A firefighter told me that once you fill a fire hose, you have to expel it — completely. And in the process of putting out the fire, they had to use the entire fire hose. The water leaked down to every unit below.The walls were soaked through, water had seeped under the floorboards, the electrical had to be shut off and rewired.
After quite a bit of back and forth with the insurance agency, I found a record of a call I had with my agent months prior in which I authorized him to renew my policy. The agent never followed up on it. After two weeks of haranguing various low-level customer service agents, the agency finally admitted that I was covered, they just had never finished processing my policy. Now it was five months later and they would process it.
By the time I was back in my apartment, I had gotten a full-time offer from my temp job and things were finally looking up. My downward spiral was finally stabilizing and I felt like I could breathe again. After many nights talking about the renter's insurance nightmare to friends and family, someone brought up life insurance. Maybe it was time to rethink it.