That is so terrible
The only reason we took out contents insurance is coz it was part of our contract with our land lady that we had to have it, otherwise it was probably an expense we could have done without. Stories like that though make you feel greatful that you do have it.
As someone else said, money cant replace everything but it sure is a help sometimes.
Thankfully no one was hurt, but such a sad story

Sounds like shes got people rallying round for her though.
xxx