I've had a couple conversations with my Insurance over the years on this. Each time I walk away with nothing to do. The sunglass collection really didn't qualify for an official appraisal, as it wasn't considered 'fine art' or along those lines. Essentially, I was told each time that they would be covered under my existing homeowners coverage. Having pictures and lists like Dann mentioned would be key to show proof of ownership. But I imagine they would just use replacement value of same/like pairs to determine reimbursement.