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Quote:Quote: In the U.S. , if you would file a claim on your homeowners policy, you would recieve replacement cost on the luggage less your deductible. As for the firearm, that is why I stated in another thread some time ago, I suggested to "schedule" the guns you take..they are then insured for a stated amount..and in the event of a loss, they are covered...you can choose a lower deductible than for the other coverage on your homeowners policy and the coverage, while not being 100% all risk, is as close to that as you will ever get...so....pretty close to fool proof... Ripp |