First of all, Rich, sorry for the loss of your things, especially those that can't be replaced.
Second, just as an FYI for those who may not know, Rich mentioned that the people who owned the house were too cheap to buy insurance. Even if they had insurance on the house, it would not have covered Rich's stuff in their house. If you live in a house owned by someone else you need "renter's insurance" to cover YOUR possessions in their house. Any insurance they have will only cover the structure.
Second, just as an FYI for those who may not know, Rich mentioned that the people who owned the house were too cheap to buy insurance. Even if they had insurance on the house, it would not have covered Rich's stuff in their house. If you live in a house owned by someone else you need "renter's insurance" to cover YOUR possessions in their house. Any insurance they have will only cover the structure.