If I lost everything, I probably would not replace everything. But without exhaustive review of our accumulation:
I WOULD replace like for like:
• My PRS match rifles - my Defiance PRS match rifle, but would probably use a TCS instead of the T4A it currently wears. I’d replace my son’s Defiance match rifle exactly as it is. I would replace my Seekins PRS match rifle, but would likely put that money towards another Impact in a Foundation instead. Or I might replace the Seekins with another, but leave it in its factory form as a hunting rifle. I would replace my 6 creed LFAR match rifle and my 243LBC AR-15 match rifle.
• I would take the money from my rebuilt Savage MkII BSEV and put it towards a RimX for PRS-Rimfire use.
• My 20” Service Rifle and my Ruger Vaqueros, Marlin 1894, and Stoeger Coach gun for CAS/SASS.
• My 10.5” SBR in 5.56.
• Both of wife and I’s custom stainless switch barrel Ruger M77 Hawkeyes.
• My wife’s Marlin 1895GS .45-70 and my 1894SS .44mag. Probably not my other 1894’s, though.
• My Marlin 60
• All of my wife’s, my son’s, and my Benelli Super Nova 12ga’s.
Firearms I know I would not replace with like-for-like:
• Heirloom firearms: just can’t replace sentimental value, and most of these just don’t see enough use to replace for objective, functional use. Rem 700 CDL in .30-06 which was my wife’s father’s rifle - can’t replace the nostalgia and personal sentimentality of it, and don’t have much use for it otherwise. JC Higgins Model 20 12ga which was my first shotgun I bought for myself. Iver Johnson Champion .410 which was my great grandfather’s, my grandfather’s, my dad’s, mine, and now my son’s - can’t replace the meaning it holds. Ruger M77 MkII standard in .30-06 which was my first rifle I bought for myself - but again, I just don’t have much use for a blued and walnut sporter in .30-06 any more. Marlin 99M1 which was my grandpa’s, dad’s, mine, and now my son’s - fun little rifle, but can’t replace sentiment. I also wouldn’t replace my Ruger MkII stainless 22LR pistol, nor any of my MkIII’s - I would buy a few again as MkIV’s, but losing the sentimentality of my first MkII which has been on my hip for so many miles and having opportunity to upgrade MkIII’s for IV’s is a no-brainer. I probably would not replace my wife’s father’s Marlin 336 in .30-30.
• I have a collection of over 40 original/large frame stainless steel Ruger Vaquero’s in .44mag which I would not replace. I collected them as a personal idiosyncrasy, but recognize there’s no appreciating value against them, so the best value for me would be to replace the 4 I would want for myself, then use the insurance check for something else.
• I wouldn’t replace either of the remaining Bushmaster AR-15’s I have: one is an M4gery/HBAR, the other a Varmint Special Stainless, neither of which do I use for much, but can’t bring myself to resell since they are the only remaining Wyndham made Bushy’s I have left.
• I would not replace my 18” 6.8 SPC, and would replace my 10.5” 6.8 SPC upper with 6.5 Grendel.
• I also would not replace my 10.5” 458 Socom.