I'm currently renting a place and am I guess self insuring since replacing $20k worth or my things would suck, but basically be no worse than a bad day on the markets stash wise.
What I hadn't thought about and parents recently pointed out was the liability factor, largely if I do something dumb and burn the place down. It would take me from borderline FIRE, to needing to seriously find a job.
Since insurance is generally a losing bet, it's prudent to get as little of it as you can afford. So I was trying to find something with no belongings coverage, 10-25k deductible, and only for those holy shit occasions. Unfortunately I've checked a few places (online), and they all have no option to reduce belongings coverage below 25k, nor have a deductible higher than like $1k. Granted it's only like $300 a year, but since the vast majority of claims I'm sure are in the sub $10k range, correspondingly the vast majority of that risk premium is probably for those small claims, which I can handle on my own just fine. It's not a ton of money, but as they say FI is accomplished $10 at a time...
Anyone have this sort of holy shit insurance for their housing/tenancy? I had such a policy for health insurance when I took a year or so to travel, but they seem surprisingly sparse in the housing front.