The same thing happened to one of my friends living in the student apartments across the street from UNR. Her renters insurance covered all the CDs and her new laptop and digital camera without even asking for receipts. I finally got a hold of my condo association yesterday, they said only fire and natural disaster type stuff is covered by the homeowners insurance I pay to them. So I'm not even covered if my house is robbed! What a rip off. On the bright side AAA seems like they will help me out and just send me a check for the stereo stuff (my fingers are still crossed), so I can replace the stuff with what I want. It works better for them that way also, since they don't have to pay the body shop for all the labor to install that stuff.
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