I personally wouldn't worry about anything replaceable by insurance or just money. People talk all the time about losing photos and heirlooms. We were burglarized in '94 and I lost two cameos, one from my grandmother and one from a great-grandmother, both of which I had worn in my very simple low-key wedding ceremony. Bill lost his USAFA class ring and temporarily thought he had also his grandfather's gold cufflinks (the only item of his grandfather's he had). These were the things that hurt the most. Dogs, meds, sleeping bags, water, etc., I agree with but I can replace my bikes (after a long argument with the insurance company on how much they're worth ).