There's nothing that's irreplaceable other than pets and photos. We could replace everything else bit by bit. I don't know what the average contents insurance costs, but if I've had 25 years without it, I will have saved a good few thousand towards replacing things anyway, if you get what I mean..
Contents insurance isn't much, I pay £38 a year for £40,000 cover, includes the horse and cat/dog so cheaper than BHS membership and my contents are covered