My husband worked construction when I met him and continued to do so for a while.   We lived in a camper in campgrounds in towns near the job sights.  Everything we owned was in that camper and since it wasn’t paid for, we naturally had insurance.  But not necessarily on the contents.  I was terrified of storms blowing us away and taking all of our belongings with it.

And, if you’ve ever checked on motorhome insurance for instance, you know it isn’t among the cheap stuff.  Actually, it was a bit more than our insurance now on our home.  But, with all the electronics and all of our clothing, it simply was a necessity.