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I was lucky. My unit was damaged by smoke and water. So while I was a complete loss, anything that was irreplaceable made it out. They (smarter people than me) were even able to recover the data from my laptop that went swimming.
My insurance company totaled me out and I received a complete payout for my maximum allotment. I should be completely set. As the reality of it is: you only get what you were covered for. I was significantly under insured for a complete loss. Just anotheritem on the list of things I'm not good at being a grown up about.
I called my insurance company today to drop my renter's insurance. While I had them on the phone I asked to increase my personal property coverage