Insurance probably cover the material loss. But often not the time to rebuild, reconfigure, re-layout, re-do, set-up, test every new item you get back. You mig

Insurance probably cover the material loss. But often not the time to rebuild, reconfigure, re-layout, re-do, set-up, test every new item you get back. You might even have custom built, one-off pieces which will take even more effort to replace with whatever replacement gadget you get.