Thank god for my personal articles policy thats an addenum to my renters insurance (yes, renters insurance!). I pay a whopping $1.60 per $100 to cover instances like this and I have seen it used personally. I lost my Nikon D80 with a kit lens at the airport from my country back home, but good thing it was just that, and had it insured for the face value of $950 with the 18-55mm lens, for under $16 annually. With no deductible, no police report and just a statement over the phone that my camera was stolen, I received a decent check for the full value of $950, because at the time, the D90 was the only comparable camera at $1199. So having that said, this 25 secs of misfortune, would have been no problem with me..