Thanks for that Jennifer. I would call my insurer to clarify what they do in a total loss, but want to wait for a bit so they have time to deal with claims with everything going on. I think DH wants to up it anyway. I just find it a bit silly to insure items that I would not replace, but if I have to insure them in order for everything else to be paid out, then I will. I just don't want to be forced to replace some items (old PC games), in order for the rest of the claim to be paid (I hope I am making sense). I know all about insuring for replacement cost btw.