Given the price of most college and university books, a student could likely get very rich by simply buying used and having those burn if they looked new enough and could be documented as being in the home when the fire occurred.

My only point was if you're a college student you probably aren't going to have the same amount and quality of items that someone more established has.

If you're a college student/low income/young you are likely to have, say, 1-2 bath towels bought from the Dollar Store; if you are more established then you're likely to have a nicer towel set that costs closer to $50. Those small items ($5-$50 each) are going to add up to probably be just as much, if not more, as any one expensive item. Every small thing matters.