Fry's is the place where I go look at stuff, because they have name brands and knock off stuff. Sometimes the name brand is worth it, sometimes it isn't. I don't buy the shrink wrap boxes, I buy new from them (though most of my computer stuff comes from Dell and CompUSA). And the insurance "replacement" value is stinky, as it turns out. They want to replace the old components with equivalent performing things today, not pay for new upgraded ones. So we have a tug-of-war going. And since I work at home they have an arbitrary cap of $2500 on how much I may claim against my missing computer (that doesn't begin to cover the software that went out the door). The kids' computer is different. But on mine, it makes no sense at all--I can only figure that they want to sell a separate policy or something else that will cost me more money. Good thing I installed a lot of my software on the kids' computer, and that I didn't use it for work.

SRS