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The number of renters has grown dramatically in some of the most populous U.S. cities, according to the Insurance Information Institute (III), but few have insurance.

Only 37% of renters are covered, whereas 95% of homeowners have a policy, the III says. And according to research from Protect Your Bubble, a nationwide provider of renters’ insurance policies, the average renter owns more than $12,000 in valuables.

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