What if the house is fine but everything inside isn't? The question that made me call the agent back

https://www.play-bookmarks.win/oh-man-my-agent-asked-when-i-d-last-reviewed-my-policy-and-i-realized-it-had-been-6-years-that-old-roof-replacement-wasn-t-covered-as-well-as-i-thought-it-was-depreciated-way-more-than-i-expected-lesson-learned-don-t-wait-that-long-to-check-in

We were standing in the kitchen when my wife asked it out loud: "What if the house is fine but everything inside isn't?" It sounded theoretical at first