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Think it depends on what type of insurance you have and the actual policy. Friend lost everything to a fire 30 years ago. When he bought, he got the "I don't care, the insurance covers it" expensive as all heck policy. He got burned out again ~10 years ago.
Computers and fish tanks have fixed values unless you can provide receipts. He made out great on the 486s and early pentiums sitting around, almost lost $2k on a media center PC/NAS box he had just set up a few weeks prior but he had receipts. He made out great on some old saltwater tanks he was using to condition water for his office tank, lost a lot on his 8' freshwater planted tank.
He also had an issue with his meds - the fire got about 30% of the house (started in attic) but the soot and spray everywhere had all of his pain meds, heart meds, etc. covered in nasties, and the fire crew recommended that he not take any of 'em. Went thru some heck w/ his insurance, doctor and the DEA ....
Smoke smell everywhere, soot everywhere, water damage everywhere. Ended up tearing down the house and doing a 100% rebuild. But then, as I said, he had *very* good insurance.
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