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***I'd recommend following the advice of what has already been laid out, but wanted to add one additional item.
You have your car insured, did you happen to bundle with a renter's insurance policy? Renter's insurance covers your personal property AND has coverage for personal liability. Depending on your state (check with your company), the additional funds you are on the hook for could be covered under a renter's insurance policy since you are personally liable. It's worth looking into if you have one.
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