I'm a independent agent, contents replacement cost works for me. Pins are covered, I feel I would have no problem collecting if I had a big loss, tornado, fire, errant airplane trying to land at O'Hare, etc. 6 of 7 pins were bought within 2 years and I have the receipts, toss in I have flood, backup of sewer and drain and earthquake in Illinois. Pins in basement not covered by flood. Not worried about the Pin Bot I bought in 1992. BTW this is all confirmed with my underwriter.