Many had not had any insurance at all, Others had inadequate coverage, and even those with hefty policies from big name companies didn't have enough to belay that overwhelming crunch of personal loss.  One thing each and every one of them was most upset over losing was those personal effects, the mementos of past lives which were irreplaceable, especially photos, wills, documents. diaries.   So, when you think of home insurance, think about protecting the irreplaceable, and do it.

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