Quote Originally Posted by amd013 View Post
When I was robbed, I made a claim with my normal home owners insurance. I used the values that Jerome gave me (slightly adjusted a few). At first they used some formula to calculate depreciation based on the age of the book. But then I complained stating that the value I gave was the current replacement value and that these books don't depreciate, but rather appreciate. She agreed and adjusted the values and sent me another check.

I checked with my home owners insurance several months earlier how much it would cost to insure my collection for $100K, and they said it would be about $50/mo. So I passed. Looks like a good decision, since I got my money anyway through normal home owners insurance.
I've got a 2% deductible, though.