When we wrote about the glories of subletting your apartment while on vacation, we mused that renter’s insurance might cover it if your guest damages or steals stuff. While talking to USAA today about our renter’s insurance policy we asked them about this and they said nope, it doesn’t. You’re still protected from all the normal things, like fire, flood, and falling space probes, but not by the actions of someone you’ve invited into your home. So, we’ll just continue to beware and use our best judgment and not sublet to sketchy people. Other people with lower risk tolerances will disagree, and we’re okay with that.