The Kelly family of three has a new car and rents an apartment with nice furniture and appliances. What types of insurance should they have?

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Grade: Education Subject: business
The Kelly family of three has a new car and rents an apartment with nice furniture and appliances. What types of insurance should they have?
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They should carry full coverage on their automobiles, renters insurance for fire, flooding, tornado or theft. The renters would cover furniture and appliances if they were damaged by Act of God or stolen. I would also buy a warranty as well for manufacturing defects.