I have several grand worth of camera gear. I have it all insured through USAA under high value items. If anything is ever broke, water damaged, lost, stolen, etc... it is replaced or repaired if economically feasible. I had water damage to my Canon 1ds mkii (picked up off eBay for 1k). I sent it to a repair shop and since it was out of service they wrote it off as too expensive to repair. USAA cut me a check for the cost of a 1DX which was over 6k at the time. Nothing fraudulent, this was all USAA's idea. So if you have decent insurance and have renters insurance or something else through them, they should offer something similar. It's super cheap monthly ( like 5 bucks or something). VERY WORTH IT. I have the same thing for my laptop. If it cost me a lot of money and is fragile, it's insured. I just don't think they insure big screen TV's.