Keep in mind that the insurance company will try to reimburse as little as 
possible.  They might give back the documented purchase price if the tube 
is NIB.  You might be able to argue a higher value based on a recent 
auction sale (think ebay).

For used tubes, they may apply straight-line depreciation over 10 years or 
less, leaving most of them with zero book value. 

Things will be even worse if the policy has a deductible in the $100+ range.


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