Hi All, I'm going to be purchasing renter's insurance for my new apartment. However I've read policies in the past that severely limit electronic equipment (I don't have a huge HT, but it's probably worth $10,000 all told: HDTV, receiver, speakers, players, etc.). More importantly I have hundreds of DVDs that I want to insure as well. Can anyone here recommend a good renter's insurance that is HT-friendly? Oh and I live in California, so earthquake coverage would be nice too (but I can explore that separately). thanks!