Hello, Tom!
My house burned to the ground (with all 7 of us asleep inside!!!) when I was a child, and my father saved all of us and the dogs. 31 years later, my stomach still tightens if a firetruck comes down my street!! My second year teaching, I had an electrical fire in my classroom. Statistically, the chances of me being in another fire are virtually nonexistent.
Since you are well insured, GO ON THE TRIP. My house burned down in July, and we still took our annual vacation in August. "Normal", expected activity was very therapeutic for all of us, and you need to build new memories with new photos and souvies for your home.
Not to get "preachy", but this should serve as a reminder to all of us to check our insurance policies on a regular basis.
JMO. Prayers and PD for all of you.