Stating the obvious here, but having your home destroyed
by fire really sucks. With a bit of luck the insurance gods will compensate you, but all the bits of nostalgia and various important bits of paper and records that modern society compels us to keep around aren't easily replaced. I know in the quaint old days we were supposed to keep important documents in safe deposit boxes, but with all of the turnover in bank ownership and bank branch openings/closings, I'm not sure there even is such a thing anymore. Not a "safe" thing anyway.