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Not to take away from this thread, but fire is not the only destructive force to worry about. I had a washer supply hose break in the middle of the night and flooded 3 rooms up stairs, but my train room was right below the laundry room. By the time anyone knew what had happened..the ceiling had collapsed and almost everything that was on the layout was completely ruined. I lost almost everything, from books and magazines to locos, rolling stock and power supplies. It was a hard lesson to learn, but i now keep everything in big Rubbermaid containers and I do not leave ANY locos or rolling stock out on the layout when I know I won't be in the room on a regular schedule. Just something to think about as well when you're checking your insurance policies.
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