I recently attended a seminar on insurance and coverage from an agent who has handled claims from the 2017 fires and mud slides. In Marin County $300 per square foot to rebuild is very low. Most insurance agents think $500+ is more accurate. I recommend checking your policy.
It’s a good idea to photograph all of your personal property. Open your drawers and photograph the contents. Photograph your appliances, decks, railings, garage, attic, etc. Be as thorough as possible. Should you ever need to file a claim, your efforts to document your personal property will prove invaluable.
Upload your photos to the cloud or store them in your bank safe deposit box.