DH insists we insure our contents for much more then we need and the house itself for what it would cost to rebuild. Also riders for DH's gun collection and a few antiques and some pieces of jewelry I have. But our content insurance is such a high amount it would be more then enough to replace everything in the house with much better stuff. LOL. I saved every negative(remember those?) of every roll of film we developed over the years and have those at the bank safe deposit box. My kids may or may not want them but they will be there. Now the digital photos are stored at online albums.