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I'd rather have my windows smashed out, and the place vented rather than smoke damage on everything.
I pay insurance so in case of an emergency my insurance company will compensate my living expenses while the house is being repaired. They will pay to repair and replace your objects.
The fire department, police department, emergency medical services, and the military are more concerned about doing their job, "saving lives", and treating people more than the objects you possess, the double-paned windows you own, or the gucci clothes you're wearing.
If objects are more important to you than your life, than insure the objects you possess.
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In the Absence of Information People Make Things Up.
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