I recently had to break into a home safe from a big box store, it was a sentry dial safe. The research took me 30 minutes as I was really trying to find a way to keep the safe usable and had never cracked a safe before. In doing the research I watched someone open the electronic style ones in 3 seconds flat, slap the rare earth magnet on it and slide it across a spot which released the lock. Crazy!

The dial style was a little harder as I had to drill a whole and then slide a screwdriver into the whole and give it 3 or 4 strong whacks. With that I popped it right open. Took me no more then 90 seconds on my first attempt ever for cracking a safe. Now that I know how to do it and all I need is to see the model and pull up a youtube video showing where to drill (and it's there for every mass produced safe.

On the fireproof side it takes a hot fire to cause the inside items to burn, but it happens. The bigger issue is melting. Plastics and solder don't take much to melt just enough to ruin a USB drive. Know someone that had some rare collectibles melt enough to ruin all value while inside a fireproof safe, so it happens.

Anyways after knowing some people that have dealt with fires I can say that preparation to be covered in the event of a loss might be a pain in the butt, it's totally worth it. If you can't show that you owned things you may just be out of luck. More important without photos or a video to remind yourself you will NEVER remember everything you owned that needs to be replaced.