Most Claims Are About Belongings, Not Buildings: What Your Policy Actually Protects

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

When a Burst Pipe Wrecked the Nguyen Family's Belongings: A Claim That Revealed the Truth The Nguyen family called me at 6 a.m. The upstairs pipe had blown during a cold snap and water poured through their ceiling all night