Just wondered if any of you had homeowner's insurance or renter's insurance. My parents pay about 500 bucks a year for their homeowner's insurance. I ask because I am thinking of moving in with my buddy into an apartment. I have three guitars with MSRPs each of 2000-4000 dollars, along with my large transformer collection, which I am not sure of exactly, but if I had to estimate I would say is worth maybe around 5,000 dollars at least? Plus I have numerous electronics, two computers, PS3, 360, Wii, all with way too many games. Prime break in suspect here. What do you all pay for homeowner's/renter's insurance? Thanks. I like to be an informed buyer.