Bigjim, I've use Replacements, Ltd for YEARS. The crystal, china, and silver I got with my husband we used everyday, threw in the dishwasher w/o thinking. The silver pieces started slowly disappearing, and I realized that we were both the culprits, not our guests, in that in our wine-soaked clean ups were actually throwing a fork or spoon away here and there. So I finally bought stainless and when we do use the silver (every month or two), we get up in the morning and count it! But I've replaced many pieces through Replacements, for both broken plates and lost forks, or supplementing what we have with a new place setting. And that goes for both the good silver and china, but also our everyday stuff.
I also (before on-line) kept the "updates" they sent me on what is available in my patterns for insurance purposes. In case of fire or theft, they'd come in handy.