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Vernonia Oregon Renter. Well we hope to be able to get back into our rental house the first of the month, obviously we will definately need rental and flood insurance since we are having to replace everything. My husband would like to have the policy in effect shortly after we move in, but we can't purchase anything yet as we have no place to put it. Do we just need to wait until we finish replacing everything before trying to get a policy or should we try to find a blanket policy that will cover a certain amount. We would like to have replacement costs covered as we won't always be able to take out a loan to replace everything.