I mean, I'm going to guess that at least one of them owns that house (as she'd have plenty of complaints about any landlord she had?) so I'd assume they at the very least have building's insurance as most lenders ask for it? & at that point it's only a bit extra for contents, most people's policies are £15-20 a month? We've had to insure quite a few high ticket items under our policy and that's 'only' £37 a month which for the cover we get inside & outside the house is fucking incredible really.
I just find her portrayal of poverty so weird, I have CPTSD from growing up in poverty with MH parents and I prize financial security (insurances, reliable income, savings) and am a chronic ppl pleaser as a result, I find her really antagonistic and the complete opposite of that which makes it hard for me to believe her. I feel bad saying that but nothing adds up with her, it's so odd...