Linens and Tableware covers items such as napkins, doilies, and luncheon sets that are often part of formal dining spaces. Though modest in replacement value, they can be part of larger sets and carry sentimental or heirloom importance.

Fabric items absorb smoke and odors easily, while delicate items like lace or embroidery may not survive cleaning after loss events.

Use this category to justify replacement costs for decorative or service-oriented table accessories.