I know a lot of those types of things can't be replaced but if you have a gun collection worth $8,000, at the very least, you'll be reimbursed for their value.

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If you own one of these homes, it's very important to have up to date electrical wiring. If your morning routine is to start breakfast on an electrical stove while your wife blow dries her hair and waits for her curling iron to heat up, that right there is enough energy to power the entire house way back when it was built.

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In the event of having to replace a car, it's much easier to find another 1985 Pontiac than it is a television or stereo from 1985. So with the replacement cost, your insurance will buy you a brand new television regardless of how old your previous one was.

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