Insurance replacement values?

[CodeMaster]

OK, so I have left this a bit late and would cry if either phone got stolen. What is the replacement value of these two phones:

Nokia N95 @ R
SE W850i @ R

 

[JK8]

OK, so I have left this a bit late and would cry if either phone got stolen. What is the replacement value of these two phones:

Nokia N95 @ R
SE W850i @ R

N95 over 5000
W850 under 5000

Retail