Water damage due to a sudden burst of a pipe. Required expensive drying of walls, replacement of part of the drywall and replacement of the flooring. Dealing with insurance was extremely pleasant.

Burglary of house. Lost laptops, camera, time machine, diamond earrings. Similar experience. Surpringly, the rule was: if you want to be reimbursed in cash, you get the current value (which is close to zero for a 6 year laptop). But if you buy a new laptop, you get the original purchase price reimbursed. “Hello new MacBookPro!” Zero complaints about the insurance.