The title may not be accurate. What I want to project is the issue of valuation when it comes to the insurance of the contents of the house. Suppose that you get the fire insurance this year and after some years the house got burned. The value of the contents will vary because of the time period that elapsed. Some items have gained in value and some items have lost in value. I really don't know how they do the valuation but for sure the insurance company is always favoring their benefit on such an issue.