(08-01-2011, 01:01 PM)swindlehurst Wrote: Hmmm...insurance should cover it due to something breaking in the house/apt. It's a matter of the deductible vs the book value. Getting a bunch of cash to go purchase what you need or to just replace it. Plus the cleanup.
Not always - in fact, most standard homeowner's policies specifically don't cover collectibles unless you purchase a specific rider to cover them.