Word of advice for all, consider it a lesson I learned from RL experience.
Get Renters/Homeowners if you don't have it. And find out what the cap is for things like computers, TV's etc. Make sure you identify anything that exceeds their value cap and get a rider for them.
I'm pretty sure my homeowners policy, which is pretty 'high-end' only covers computers up to $1500. I have several that cost me much more. same goes for my Widescreen HDTV. It's worth more than the max my insurance co. will pay for a TV.
I contacted them and sent them pictures and dollar values of all of my 'expensive' stuff and had them add it to the policy. (You can do the same for art, family eirlooms, collectables, etc). It doesnt add much to the cost of the policy, and helps with the peace of mind.