Originally Posted by
timpolti1
In most cases, luggage is insured way under its real value (Montreal agreement) and even if additional. insurance cover (house/travel/creditcard insurance) it is often a pain in the ... to deal with this.
[my bold] Unlikely. I don't think my luggage has ever had a value over the Montreal amount, and given who the majority of travellers are, I don't think I'm particularly unusual.
As an alternative, consider cargo shipping too - if you're prepared to pay an airline to increase their baggage liability, it may not be much more to have it sent as freight, either with an airline or a consolidator (e.g. FedEx), which attracts different kinds of claim limits.