Insurance - your experiences


I often look at my system and LP collection and think ’Although I have been told my equipment and vinyl are covered for fire, theft, and accident, I would hate to put it to the test,’Have you detailed equipment, CD’s, and vinyl to your insurer and have an agreed value?
Anyone have experience of claiming? What difficulty have you overcome with equipment classed as too ’old to insure’ - as is my 1984 Linn Sondek. Or even rare vinyl?Let me know your experiences.
128x128surferandy
Homeowner polices do not typically cover recordings - that would require separate coverage. Audio equipment is covered under most policies and if you have replacement cost coverage, your Linn LP12 would be protected.
Contact your home insurance carrier/broker and discuss with them your concerns.  Get their response in writing.  IME, Audio forums are great for audio, not so much for insurance, legal or medical advice.  
I wondered about this in the past myself. I told my insurance agent what I had and asked if they needed a detailed list or photos and he told me, "Nope, if it's in your home it's covered".  I take him at his word since he owns the Agency.
Your policy should have an "exclusions" section.  They are sometimes a little on the dense side, but I should pretty clearly lay out what is not covered. But that is only step 1.  Even if your recordings are definitely covered, there could still be a large dispute as to what the value of the recordings are.