Really think about how much everything would cost to replace, I kept mine down because I thought it would bump the price up but contents is so cheap - mine is $45 a month and thats for a bout $50K I think! We also have pet cover included which is $5 a month and covers the little fur ball if he breaks a leg or something (been there...paid $3000 ). It's so worth it. Ours also covers anything in the car whether the car is at the house or not.