That's anecdata. I have no idea if it is generally true that trying to make a claim on renter's insurance is inherently suspicious activity. You would need to provide more evidence than one anecdote to support such a broad claim.

I'm pretty anti-insurance. If you can find some means to meet your needs that doesn't involve insurance, I say go with that. But the reality is that insurance is a necessity for many people and makes sense in many cases.

I really wish the US would move to single payer health care for the nation. I think major medical insurance is inherently problematic and I hate that the US handles things that way.

Nonetheless, I'm happy to support the development of good services in the insurance industry, especially in areas outside of major medical coverage.