Okay. So we just got renter's insurance, which is very reassuring and covers all of our computer equipment, including laptops. Mike just asked a very good question, though: what about DRM'd media? Let's just say (hypothetically speaking) that I bought all my songs from iTunes at 99¢ a pop. Let's just say. So what if both my laptop and my iPod are destroyed in a horrible, cataclysmic...hurricane? Given that digital music is supposed to be actual property (that can actually be stolen, etc) does renter's insurance cover the $10,000 in lost songs? I can't find anything online to answer this question.