Sorry to hear about your daughter’s fire losses. Good thing is she wasn’t hurt, everything else is just stuff, no matter how much we like our stuff.
Don’t keep all your eggs in one basket is a valid approach to high value items (measured in any fashion).
When there were mountain men trading furs, many built two cabins in case one burnt down during the winter. Survival without shelter was impossible.
To everyone..Happy New Year. I hope it’s a good one for everyone.