There are only three types of people in this world. Those that can count, and those that can't!
A mate shot a cat with a 22.250 and it "sloshed" as we picked it up.Maybe just the right amount of inner trauma
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 years ago I rolled my ute. I had 3 bicycles on a carrier on the back.
Car insurance didn't cover the bikes, but my household contents policy did - I got replacments not indemnity.
I expect my rifles to be similarly covered whether at home or away from home.
If your insurance only offers indemnity it is time for you to get another insurer.
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