NEW YORK (AP) - When the unexpected happens - whether fire, hail, or human error - renters insurance can provide much-needed stability. But many choose not to purchase coverage, including in places most frequently and hardest hit by natural disasters, new research shows. Linda Klamm, who works as an attorney for insurance policyholders after catastrophes, lost her home to a firestorm in Oakland, California, in 1991, and has firsthand experience