You could find something you want to wear again instead of buying new items of clothing. (onlinepersonalstylist.com)
All of this coverage is generally at replacement cost, meaning you get the amount of money you need to go buy a new item of like kind and quality. (effectivecoverage.com)
Then you can do some leg work, either online or going to visit different stores, to get an idea of how much it would cost to buy new items for your home. (insuranceproviders.com)