I would call a public library and ask fro the Government and Business Dept. There see what the Consumer Price Index is from the month you bought your speakers to now. Then take what the insurance company gives you and throw in some extra cash and buy a pair of Cornwall III's.
O.k, I just got off line from the web where they say CPI from 1991 till now is ~136.0 (or 36% higher now than what it was). So the adjusted price should be $1,632.00. Then take into account that the insurance company may pro-rate their value.
If your not ready for a happening....STAND BACK!!
Main system: Yamaha PF800 TT w/ Shure V15VxMR, McIntosh C46, MC252, MR85, MVP841, APC H-15, dbx 1231, Klipsch KLF-20's (Crites X-Overs and Ti tweeters), Kimber Hero's, MITerminator2 Bi-wire, Studio Tech U48RW cabinet.
Second system: McIntosh C33, Carver MXR-150, TL3100 CD , Technics R&B Series SB-7's (mains) and Klipsch RB-61's (remote).
Computer: Pro-Media 2.1