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This must differ between insurance companies and policies.
I pay for and expect replacement - especially when I have listed the items with serial numbers and values.

An example from my past:
8...

I am covered, itemisation was to ensure this.
When they aren't at home they are sporting equipment and are covered.

I have itemised my firearms, scopes, reloading equipment for insurance purposes so there could be no argument in case of a claim even though most of them have been assembled from components which...

So far I haven't had to justify the number of guns to my wife.

I remember the look on her face when my son and I talked about rifles and she said "Rifles? You've got more than one?"

As an...