Apparently “fire is the most common of all business disasters”. Maybe the numbers will change slightly next year (given all the storms and flooding) but in the meantime here is a somewhat orthogonal way to protect possessions from devaluation due to fire: buy things already burned to a crisp.
Here is a fine example of what you can do with some fire and epoxy:
Even more ironic, I suppose, if smoke became the hottest trend in industrial design. Or maybe it will become standard issue for emergency management agencies. Can you see FEMA with a few of these chairs?