[sweetliberty]

" if the Schiavos had homeowners insurance at the time of Terri's 'collapse' - which occurred in their home - wouldn't her initial medical bills have been covered, up to a point?"

I wouldn't know. I just don't know enough about the insurance business operates.

[Theodore R.]

They lived in an apartment; apartment renters cannot get homeowners' insurance, can they? Or is "renters insurance" just a form of homeowners'? When I lived in an apartment, I never had renters' insurance, never thought about getting it. But I have always otherwise had homeowners' insurance.