I went through Good Sam - they had two agencies - one about $1000 per year. The second one was much more reasonable... Allied Insurance, which turns out to be Nationwide. I'll let you know when I get the check how satisfied I am, but they do offer "trip interruption coverage" of up to $600 per day and they're replacing anything I couldn't salvage... But after all what is the real value of six pairs of unmentionables with glass shards in them.
I will get a new sewer solution and Oxygenics shower head.... and I couldn't get the centramatics, etc., etc., etc., ad nauseum.
I've been making a list and checking it twice... wish I'd kept a detailed log of all the stuff I'd bought over the years.
Today is a gift, that's why they call it the present.