But had a most interesting conversation/realization.
I received my homeowner's insurance renewal this week - and the price had risen by 20%! So, I went down the street to another agent, and started talking with her about taking out a policy with her company. We dissected my current policy and what it covered and what I needed. We were focusing on the replacement of 'personal property', especially furnishings. Now, I have an interesting mix of furnishings - 1/2 simple Ikea, and 1/2 to die for Mid-Century Modern which I grew up with and have inherited. I know the value of those MCM pieces - and it's quite high. They're all original, and all held by my family since being manufactured. In fact, since my parents died, I had to auction off about 90% of our 'inventory' since my family didn't have room for it all! I love the pieces I have. They're magnificent, in my eyes. Their design is gorgeous. And most important, the memories they hold are fabulous. I grew up in a warm, fun, supportive home and its design was the backdrop for great times. The furniture was almost like family! So when I was speaking with the agent about replacement value, she told me to go for the 'luxury' option. But I said no, even though I can replace the furniture with exact pieces, it wouldn't be the same. Yes, they're gorgeous, and I love the look, but a sister piece would not hold the energy of my family. So, it really doesn't matter. And I can replace furnishings with simple Ikea type stuff (at least stuff that will last). I hope I never have to do this, I hope I don't lose my furnishings, but hey, it's just a chair.
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