For us, the question wasn't so much 'do we have $x worth of stuff' but more of 'how much would it cost us to replace all of this stuff if it got destroyed?' Here in tornado alley, we think if anything ever happened to our storage unit, it would probably be the result of a tornado. Since I used to be a line tech in a service department, I have a full set of automotive tools that would be very costly to replace. We got $20,000 worth of property insurance through USAA (same place we get our car insurance) for less than $18 a month. I would suggest seeing what the rates would be through the same company you get your other insurance (like your car) from. Maybe you could get a discount for bundling? We sleep well at night knowing we have insurance if the worst case scenario happens!
'14 Ram 3500 DRW; Currently Truck Camper shopping
Alex & Lindsay, Cats:Simon & Lillian, Dog:Jonathan
Full-time since 05/13, Retired ARMY