For you guys contemplating retirement plans, make sure NOT to include a house fire.
I had just retired and was ready to do some sailing. My insurance agent was there while the fire department was putting it out. He had the roof tarped as soon as the fire department left. Plenty of Coverage - thanks to my agent. I did military design/construction for 33 years, so it was a tiny project by comparison - even though it was a total gut to the sticks and rebuild with new roof framing and decking. Threw in a little change for some finish upgrades to make the Admiral happy. Other than losing two years of retirement, and several irreplaceable heirlooms, not a bad experience overall. Learned a lot of stuff about insurance that I never wanted to know, but very pleased with the outcome.
Most importantly, the boat was fine!