Renters insurance is often overlooked. People tend to think that this value of their belongings is not very much. The reality is when you look around your house to replace those things would be a lot more than you could probably afford to just go out and do. We are fortunate that we have a very generous community, and you would likely be able to have fundraisers to replace some of your belongings however wouldn't it be nice just to be able to go out and buy everything brand-new. Renters insurance is very affordable usually priced about $12 a month which is just the price of the three coffees surely you can give that up for the peace of mind that the renters insurance would bring.