I have my equipment covered under a seperate $20,000 replacement cost policy. I've had gear stolen in the past and the depreciation cut pretty deep. I don't remember how much the additional costs is (my wife handles the finances).

Even at $20,000 the policy wouldn't cover my loss. I have a lot of gear, over 750 DVDs, 100 LD and well over 800 CDs. Many LD and DVD are collections, special editions, or collector's items such as the Star Wars 6 LD CAV boxed set. However, I would be able to purchase a very, very nice starter system.