So you’re telling me coconut that if the entire building was burnt to a cinder that to replace every single item new for old would cost no more than 4k.
That includes but not limited too; curtains, sofas, tvs, living room furniture, dvds, computers and tablets. Pots and pans, cutlery, crockery, oven, fridge, dishwasher, washing machine, carpets, rugs, telephones, clothes, wardrobes, chests of draws, beds, bed linen and so on.
Either you’re in a super small house or you’re a super extreme minimalist.
To have buildings insurance means you own the place so it’s not like you live in shared accommodation etc.
I hope it never happens to you.