When a Spouse Shrugs at Coverage Concerns: Why Most Claims Are About Things, Not Walls

https://highstylife.com/when-replacement-cost-coverage-is-actually-enough-a-guide-for-homeowners-with-5-15-years-in-the-house/

Most home insurance claims I open involve personal belongings — my caseload makes that clear The data suggests a clear pattern from years on the desk: the majority of homeowner and renter claims I handle are for personal property losses