My insurance company wants to peg a replacement value and approx. replacement equivalent item for my Linotype Topaz scanner. My policy is up at the end of the month and under review.

Any ideas what I should be replacing that scanner with in the event of a total loss?

Keep in mind I must pay the annual premium attached to over insuring it too.
I live in a 100 year old factory, it would take a fire that wipes out the entire city block to see a total loss, but lets play devil's advocate for the shake of insurance.

Thanks,