We get insurance all the time... there's always an argument that why bother getting insurance when you never seem to need it...
but there's the rub... what about the time that maybe you don't have it and you DO need it...
My personal opinion? Buy the insurance; get the apartment... I hope you don't need it for long, but it's a great insurance... Even if you only use it for a few months, or one of you needs a "time out" and goes to it as a safe place from time to time, if you do end up back at home...
