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coach sling bag simply forget that the items hanging up in our closets might cost us thousands to replace.More than three quarters of men and women asked by specialist insurers Hiscox estimated the cost of replacing all their clothes at less than 1000, barely enough to buy a week's worth of Marks Spencer underwear, a Joseph suit and an Armani shirt, one pair of Russell and Bromley shoes, a pair of Levis and some Nike trainers.Fifty six per cent of those asked estimated their wardrobe contents to be worth between just 500 and 1000, while 27 per cent suggested a value of less than 500.Hiscox's Scottish manager Keith Jackson warns that the serious problems arise when theft, fire or flood damage means they have to ask their insurance company to pay up."People just don't realise what it would cost to restore all their clothes and shoes from scratch," he says."Following a flood or fire, for example, people replacing a full wardrobe of every day outfits as well as suits, evening outfits, underwear, gym gear and so on, would find themselves spending several thousands of pounds, not hundreds. Men in particular might be surprised when they count up the value of their suits, shoes, sportswear and even their ties. And if they have a kilt hanging in the wardrobe, then you're talking about hundreds of pounds for one item."It's also worth remembering that many standard policies will only replace damaged or destroyed clothes after making a deduction for wear and tear and many will only pay out up a certain amount."It means that the credit card limit busting Armani suit bought three years ago would today be judged as being