I was able to make a deal with my insurance company and bleh, they accepted $90 so I'm good for paying off next month after I was sniped this month. I don't know why I was sweating. Still, it means there is no immediate emergency now, however I can still take at least one more commission to keep things going. Thank you everyone, every little bit helps.

Added Notes: They had some things worded wrong on my little pamphlet that I should have looked at more closely as well. Most everyone I checked with around the building complex had notes that read insured up to 100k. When I brought this note to the office and handed it to them as well as my policy, all they had to say about the ordeal was "Woops".