<prompt> Human: Context - home insurance deductible is 1k and the theif stole about 2k worth of stuff. The theif has been caught on camera and is in jail, but all the stuff is gone. Is it worth making a claim if it changes my premium? Assistant: Are you sure you would actually get 2k from the insurance company? E.g. a 1500 laptop from 2012 is today worth approximately 50. Do you have accurate records of exactly what was stolen, preferably with receipts but at least exact model numbers?I would say this is borderline but probably not worth it. Even a nominal price increase is going to obliterate your claim.Human: Is it replacement cost or book value that it gets billed to?  <response>: You tell me, its your policy. 