Each airline has a baggage liability program, American Airline, who I fly the most, has a limit of 2500 per passenger, for checked baggage only. (but it's pretty specific about what it doesnt' cover, photographic equioment, computer equipment, jewelry, medicine,antiques, stuff you really shouldn't be checking anyhow. (and lately they've added, damage caused by TSA procedures (ie they broke the lock on your suitcase)
Each airline's website should have it pretty well document, but it's generally for lost baggage, I can't tell whether it includes stuff removed from your bag - because honestly, how do you prove it, but it's worth filing a claim anyhow.
YOu can buy extra baggage insurance at the airport when you check your bag, but you have to ask for it, and there's probably paperwork to fill out.
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