[phonon]

Well, tell me if you find a carrier offering renters insurance with ALE of I guess the $200k+ limit you're looking for. I'm sure it exists, but not in a mass market, D2C product line, where the underlying personal property coverage is much less than that.

Also, since unlike homeowners' the carrier has no way in expediting the rebuilding of the building, I'd be surprised if they are willing to pay for your rent indefinitely until the original building is rebuilt. Perhaps you could win if you took them to court, but it will not be a routine process.