NEED FOR RENTER'S INSURANCE. lan and Elena Ballard, both graduate students, moved into an apartment near the university. Elena wants to buy renter's insurance, but lan thinks they don't need it because their furniture isn't worth much. Elena points out that, among other things, they have some expensive computer and stereo equipment. To help the Ballards resolve their dilemma, suggest a plan for deciding how much insurance to buy, and give them some ideas for finding a policy.L01