what would be really fun, would be to add up the maximum value of your lenses on flea bay or what ever, and then see what some idiot or dreamer might think you rkit is worth. Maybe a new thread, "what is the E-Bay value of your lens kit.
On a serious note, with respect to insurance, and I had this discussion with my agent when I decided to change my policy, was the following.
If you insure an itemized list with everything at a value, that is what you get, whether it is possible to replace your kit or not at that value.
If you just have it covered on your hoouse, you get replacement with new value, less the deductable.
I would gladly have my KX, ricoh XR2-s and even my PZ-1 disappear, and get perhaps 2 new K-X bodies and a new K7 as the replacements