Would you seriously include a pair of tweezers in your insurance policy? We don't insure all that incidental stuff because you just can quantify it and I think an assessor would think you were a little bit OTT if you put every single item in your house on a policy. Ours is currently valued at around $85,000 but we will have to reassess when it's up for renewal again because we will have some large household purchases this year. Plus we see it as a means to set you up and get you back on your feet again, not to put you in the exact same position you were in before.