NONE. Insurance do not write out blanket checks. They check to see if you took appropriate steps to make sure your stuff is secure and safe. That is why insurance companies are worth Billions(from not paying out claims). Then they also depreciate the value of your stuff...so that is the money you would get if you got any at all. Just put duct tape on it as though you are covering a rip or tear or scratch and they will never steal JUNK.