i had never had, or felt the need for Contents Insurance, until last year, when i became a single mum. I felt very conscious, that, if the house burnt down, and i had to start again, even though my things individually aren't worth much, if i had to replace everything (especially the white goods), it sure would be difficult, to come up with that amount of money, all at once. I now feel, i can't take the risk, of NOT having it. (a personal choice). I know i don't have relatives who would help me out in a crisis like that, i know i don't have the savings to cover a crisis like that, so paying $30 a month, for Contents Ins, is what i've chosen to do. I'm still learning all the time, how to budget, what to spend it on (wants vs needs), maybe my priorities will change, as i learn more. But i'm going with Contents Ins for now, not sure what else to do. I don't have Life Insurance, and that worries me (what would happen to bilby if i died). Each time i ask about Life Insurance, it all seems too overwhelming, so i don't go ahead with it.