EVERYTHING is loaded....ALL THE TIMEI hear you there. Everything in my home is insured and can be replaced, they are only materials, but the people that live here with me are irreplaceable. It's just really eating at me lately watching all of these home invasions with a ton of people barging in, its a nightmare played out in my mind so many times I wish it would just stop.."What do I keep loaded and how much will I need for this scenario" I am sure we have all had these things in our minds at some point.