LPT: If you own a home or rent, make sure your insurance has an "Actual Replacement Cost" clause. Tons of cut rate insurance providers only pay for depreciated value.

If you don't get actual replacement cost, they can just pay you what they think items are worth. That $5,000 custom computer? Oh, here is a $1000 due to deprecation. Actual Replacement Value might get you like $8,000 as they have to replace it with identical and finding older parts can get expensive.