We've decided we need to get renter's insurance. I know most people probably already have it and think we're crazy for NOT having it. But hey, we're college students with little income and it's always been one more expense we couldn't really afford. Now though, we're thinking maybe we should put out the money for it. Not for a huge policy but something just in case. I can't imagine my home catching on fire but you just never know. Having insurance will help to replace some things but there's other things, like our digital pictures and important info that we may need to look into having an online backup for. Insurance can't replace photos and I would be heartbroken if we lost them all.