Renters- The biggest and undervalued insurance you will need. Most adults now shop for the lowest monthly on their apt as they believe that they do not have much of value. They don’t put in factors of what they will be without, if a pipe bust or a fire damage in the apartment. When you lose your most precious memories due to fire loss or even water damage, insurance does not come to mind. While your apartment is being repaired the complex will not reimburse you for lost items nor provide living stay while your apartment is repaired. With proper coverage Wild Card will make sure you are whole again and make sure you have coverage for accommodations for lost memories or living stay.