What's a modest home upgrade with a high return on quality of life?

Had a hard time on mobile replying to the above quote so quoted it separately:

I try to remind people that in the event of power outage, the food in their fridge and freezers can be claimed on their homeowners. Obviously this isn't worth if for most with a deductible typically around $500 in the states. But if you just filled it, especially if you're willing or able to itemize, the items are covered and can prevent a bigger financial hit.
 

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