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PUBLIC SERVICE REMINDER: YES, RENTER’S INSURANCE IS WORTH IT, YOU CHEAPSKATE. The Associated Press reminds all non-owners to get one of those handy free quotes online. For less than $200 a year, your household belongings (and your vehicle) will be protected against Tenderloin crackhead break-ins and the damage from Mission blazes (but probably no quake coverage for you Marina dwellers). Now if only there were some insurance against your building being foreclosed on…