I would think you would have a greater chance of being burglarized than losing your pc in a fire but Something to think about ... I always figured my renters ins would cover it but now that I think about it probably not. You probably do need a separate policy and a stated value of the cards.
Collecting ALL 2005 Frank Gore -148/406=36%
Collecting ALL 2006 Vernon davis -129/829=15%
Collecting ALL 2007 Patrick Willis -79/818=9%
Collecting ALL 2005-06 Monta Ellis -86/163=53%