This means that things lost in the fire are replaced, and your policy can pay for the repairs to the building that you'd normally be responsible for if you started the fire. (effectivecoverage.com)
You want to be sure that you get enough coverage to replace things you lose but you don't want to include coverage that you can neither use nor afford. (rentersinsurance.net)
Based off how things are designed, there isn't much of a point to doing anything besides public events and the vast majority of things lose value upon hitting 265 power. (justpushstart.com)