I was just going to say that "No one needs insurance until they need it and then they REALLY need it". Just ask anyone who has lost their home to fire with no insurance. I know a couple of people like that and I also know a family that were insured. Even being insured, the loss was painful, the recovery from insurance company long, detailed and agonizing process, but in the end, they have a beautiful brand new home, filled with lovely replacement items. Of course, they still lost their dog, and their memories and family momentos, but it could have been alot worse.
Take pictures of all of your insured items, house, equipment, belongings, etc, make lists, keep receipts, etc. and store these in a safety deposit box or some place other than your home. Should you ever REALLY need them, they will be ever so helpful when it comes to filing your claim.