The day has finally come. You and your three best pals have agreed a lease on an apartment and you'll soon be moving from your cramped dormitory room or parent's house and you will be out on your own for the 1st time. It is certainly an exciting time for both you and your friends. The last thing you will want to think about is a bad thing occuring; but that's precisely what you need to make preparations for (and then hope for the best result possible). Obtaining an cheap tenant policy will provide you with valuable defence against random events. Every one of you should carry your own policy.