I have a pretty extensive music collection acquired from the iTunes music store and I have been concerned about a catastrophic loss of my library. This could be either from a fire or someone stealing my PC or iPod, thus making my entire expensive music collection go up in smoke. Homeowner’s policies with most insurers specifically exclude these expensive music libraries so until recently recovery was not possible. With Apple expected to announce a video rental service soon, and many people using movie download services, this problem will get worse as media owners are confronted with the loss of expensive media collections. In an innovative move, Nationwide Insurance has begun covering the loss of music libraries in the event of a total loss, so for their customers there is at least a way to get reimbursed for such a catastrophe. The insured must provide proof of payment for the lost music, but since online stores have records based on user accounts this should be pretty simple. It is great to see at least one major insurer in the US recognize the worth of a large music collection and offer a recovery path.