Uhm, you want to insure everything, even if they are cheap and easy to come by. Reason being - you have to pay a deductible regardless of what you insure. If you only insure the expensive stuff, sure, you'll get the money to replace those items (after paying your deductible), but what if you have 10 PG's - or even 30 MG's? That's still a good chunk of change (10 PG's at $100 each - $1000, 30 MG's at $25 each - $750). If you insure it, you'll get all that money - and only have to pay the deductible once (usually anywhere from $250 to $1000, depending on your policy). So, do as Majestic suggests - videotape and document what you own - either print out copies of what you have purchased from HLJ or other online shops, so you have proof of what everything is worth. Or do as I do - video tape your collection, then make a webpage that's hosted somewhere (could even be a blog), that has all of your collection itemized, with links to the actual webpages. If the worst happens, and your collection is engulfed in a fire along with most of your belongings, the webpage still exists with your list. If you have something rare, have it appraised by someone who is knowledgeable, and store that in a safety deposit box or a fireproof safe, along with the video tape, so they aren't destroyed in any fire.