Nevermind the toaster — clothes add up surprisingly fast. Replacing your wardrobe is a surprisingly expensive thing to do
And your shower curtain, food in the fridge, extension cords and cables, business cards, books that you got as gift but never read, and so on.
Most people have tens of thousands of dollars worth of $5 items in their home. But in the stress of losing your home in a fire, you will forget about all of them unless you have a good walk-through video of the entire place, opening each cupboard and looking under each bed.
I suggest grabbing 1 suit & tie for any legal battles you might face with insurance companies.