Scanty...you rent, right? I do think you need renter's insurance, to cover your personal belongings, and give you some protection if you inadvertently are responsible for something....just to be safe. Fires are very scary...and really, not just because they are fires...but, also because the damage from the water used to extinquish even 'small' ones can be so devastating. It isn't like the fire people say, "well, we will just use a tiny amount of water to put this fire out"...they go in full force (as they should). Glad it wasn't any closer than it was!!