What if the house is fine but everything inside isn't? The question that made me call the agent back

https://wiki-global.win/index.php/Why_Longtime_Homeowners_Assume_Their_Insurance_Covers_Everything_-_and_How_That_Leads_to_a_73%25_Failure_Rate

We were standing in the kitchen when my wife asked it out loud: "What if the house is fine but everything inside isn't?" It sounded theoretical at first