Poll

one Samsung Note 3 already puts me in the highest category.

A graph of the depreciation of high-end electronics looks like a baseball's trajectory due to the pull of gravity when it rolls off a table... eg. Something like this:

* http://cfpa.berkeley.edu/Education/ISTATPage/MiddleSchool/image14.jpg

Like any good insurance adjuster, I'd use the depreciated replacement value. Amazon will sell you a used Note 3 in good/very good condition for under $350:

* http://www.amazon.com/gp/offer-listing/B00F2SDM00/ref=dp_olp_used?ie=UTF8&condition=used

If you're figuring it any other way, you might need to include the full price of the 2-year service contract your device is on, too. You might also run into the complication of your credit/debit/ID cards being reasonably valuable to a thief, while having only minimal or perhaps zero replacement cost for you.