Your homeowner policy will typically cover your PS3. Check to make sure your policy includes Coverage C - Personal Property. As long as your limit for coverage C exceeds the replacement value of your PS3, it will be covered for all covered losses.
If the loss is only a PS3, however, there is a good chance that your deductible will exceed the cost to replace it. Since the insurance company only covers the portion of the loss that exceeds the deductible, they would not pay out unless you had a very low deductible.
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If the loss is only a PS3, however, there is a good chance that your deductible will exceed the cost to replace it. Since the insurance company only covers the portion of the loss that exceeds the deductible, they would not pay out unless you had a very low deductible.