Here is a link to an experience a family had dealing with their home burning to the ground.
I have dealt with three total home losses since I became licensed Insurance agent - they are never easy for you as an agent let alone how difficult it is for the valued client who has just lost everything.
The thought of a total loss keeps me focused on trying to do the right thing for any client who comes through our door at Pueblo Insurance. God forbid if there is a total loss - Will my friend and my client be adequately insured.
Insurance is not all about price. It is about a good value - the right amount of insurance at the right price.