Selfhosted
A place to share alternatives to popular online services that can be self-hosted without giving up privacy or locking you into a service you don't control.
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I've never been in a situation where I needed insurance to replace all my stuff, and hope I never do.
My priority are lives (people, pets, etc.), and data that can't be replaced.
The high value items are important to replace, because I couldn't afford to replace them all at once.
For stuff like clothing, if I had to replace it all, I'd probably take the minimalist route and get the bare minimums. I'd probably prefer that, even if EVERYTHING could be replaced.