You need to determine whether your policy is written to reimburse you for the replacement value of your personal property. Some are, some aren't. The easiest thing would be to ask your insurance agent.
"Once the writer in every individual comes to life (and that time is not far off), we are in for an age of universal deafness and lack of understanding."
(Milan Kundera, Book of Laughter and Forgetting, 1980)