Why Homeowners Assume Structure Coverage Protects All Their Stuff

https://city-wiki.win/index.php/Why_Smoke_Destroys_Belongings_Long_Before_Walls_Show_Any_Failure

Most people buy homeowners insurance and glance at the declarations page, see a big number under "Coverage A - Dwelling" and relax. The house looks safe, so everything inside must be safe too, right? Not quite