I have a laser-disc, DVD, Blu-Ray collection that reaches nearly 5000 titles, collected over 20 years. The insurance companies wouldn't allow me a rider, since they felt there was no way to determine the true replacement value (particularly for those titles that are out of print), even though I still have every receipt. Those f$&King insurance companies will always find a way to deny you the value of your stuff, irregardless of any riders. After Katrina, and those latest hurricanes, I'd be interested to know just what people have gotten, or will be getting, for their losses. I worked for an insurance company years ago that insured a lot of car dealerships, places where many of these companies were paying several MILLIONS in premiums, annually, and would occasionally file claims for amounts of $50,000, because a couple cars were damaged, generally totaled, from wind, etc, and my company would fight those people tooth and nail in an attempt not to pay out. Disgusting. About 16 years ago, I had a storage locker broken into, and my PlayStation 2, Nintendo 64, and tons of games (all of which were out of print), got stolen, and all I got from the sh&$y insurance company was a check for $800 bucks, not even half the value of what was stolen; after researching the cost to replace everything, I decided to cut my losses and just kept the money, since it would have cost me almost three times what I had originally paid (mostly for the games). If it makes people feel good to have special riders, have at, but be prepared to have the insurance company ultimately try, and generally succeed, to screw you over, anyway.