We had a major house fire three years ago and my husband and I lost everything apart from our clothes and the contents of the kitchen cupboards. My adult son who lives with us just had the clothes he stood up in and his car.
We had to itemise everything that had been in every room in the house and garden sheds for the insurance company, and submit receipts when we replaced stuff.
It really focused my mind about what we actually needed to buy to be happy: comfy beds, cosy bedding, wardrobes. Nice towels. Comfortable sofas, a nice dining table and chairs. Curtains. The usual large kitchen appliances.
Anything else really doesn't matter.
The things that it upset me to lose I can't replace anyway: my wedding dress, the christening gown my grandma made for me 60 years ago that me, my brother and sister, and my three children all wore, the shawl my Mum crocheted for me as a teenager that I used on my bed, the Christmas decorations we'd collected as a family over the years or that my children had made at school.
When the firemen finally put the fire out, the only thing they asked us was have you all got your phones and a charger.