Basically, if it's nailed, tacked or screwed to the walls of the house it's part of the dwelling and it's covered by the landlord.

It sunk a foot and all the walls are moving. Just the whole house is coming in on itself... basically, an underground water source is pushing up against the foundation and moving the house.

[The house Rhett Butler built for Scarlett] could have been in Omaha so little does it resemble any dwelling in the Atlanta of the Reconstruction period.

But I have built an house of habitation for thee, and a place for thy dwelling for ever.

The average coverage ($25,000 in contents) would probably run like $149 per year. That's about $12 a month ... it's not very much.

I would say with homeowners it is almost 100 percent because most have mortgages and lenders require homeowner's coverage.