As U.S. rental occupancy rates continue to rise, according to the U.S. Census Bureau, a new Allstate survey has found that the number one concern for renters is fire damage. The survey also revealed that 54 percent of renters say it would take three or more years to replace everything they lost if they didn’t have insurance, yet only 45 percent of U.S. renters have a renters insurance policy to protect their personal possessions and collectibles.