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Insurance will only cover cost to replace items. They will not give full face value for anything you own. Best way to do it is take pics have an airsoft room and insure the room for the value of the stuff. As far an depreciating in value other than art or jewelry it happens... Do diffrent than a computer just because you bought it for $1000 does not mean 3 years later they will give you even a fraction of that.
Insurance is always a battle to get what you think you deserve.
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