This. I believe trying to recover relatively small-value items through renter's or homeowner's insurance is not advisable. I've been told by an insurance pro that it's really only worth it on high-value theft (high-end Rolex, Fabrege egg, two full racks of mint Vineyard $500s, etc.). I had jewelry yanked from an apartment once, but it was explained plainly to me that the increased insurance costs would ultimately be way more than my stuff was worth.There is no way an insurance claim for this loss is worth it in the long-term game of your insurance rates. Even with a small deductible. Your premiums will go up.
Home deductibles should be $5-$10K.