I can't speak for other companies however I worked for State Farm for several years and what you would go with through them is a personal articles policy. It is full replacement cost, no deductible and would be covered for almost any peril except accidental damage. Those policies are pretty reasonable although I can't quote a price because that would depend on several variables. Ballpark should be somewhere around $2500 in coverage for around $45-$50 a year. That's my two cents worth.
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