talk to your insurance company and find out if they have an estimator. i've run the online ones and they say we need 300k plus. i can't recall exactly what it's at, but i need to re-look at it
as Nelle mentioned, things you don't think of add up. we got a quote for curtains in our house - over 8k for pretty basic block outs. umm, Christmas decorations - we have bradford exchange stuff that seems minimal but when i think of it, there is well over 5k worth of stuff. it adds up very quickly. even computer equipment - we all probably underestimate replacing it all. cameras etc
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