I don't mean to be a wet blanket, but, if renters insurance is only $100/year, what makes you think that a lower price matters at that point? Is the market that

I don't mean to be a wet blanket, but, if renters insurance is only $100/year, what makes you think that a lower price matters at that point? Is the market that price sensitive, and doesn't psychology drive people away from deviantly low offerings for insurance?