Check out this Vizio at Costco, it's great, I own the 42" just like it and it's a great TV:
http://www.costco.com/Browse/Product.aspx?Prodid=11200296&whse=BC&Ne=4000000&N=4001382&Mo=23&pos=1&No=6&Nr=P_CatalogName:BC&cat=3316&Ns=P_Price|1||P_SignDesc1&Sp=C&ec=&topnav=
ps.........your homeowners would replace it at replacement value after the deductible. So they need to pay whatever the cost is to replace it. just my opinion.