Music Room and Floods


I am in the process of buying a new house that will have a dedicated music room in a look out basement. This house is 14 years old and the basement is finished. the music room is 21x16. This is not in a flood area and has never had any water seepage or other issues. It has a sump pump if needed. I was surprised to find out that in the case of a flooded basement there is not much coverage for my audio system. Anyone have this issue, any ideas. I will get the sump pump checked, have a battery backup installed but would appreciate anyone elses thoughts or experience.
davt
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Thanks for the ideas. My insurance guy states that the maximum coverage for all things related to water seepage, etc. is $10,000, this includes repairs and personal property. My basement is only about 3 1/2 feet deep, the rest is above ground so risk is a bit less. I will have a sump backup installed as well as sewer deverter and will look for other coverage and be sure to read all of the fine print.
If things go wrong in the neighborhood, it can happen on the first floor also.[http://www.youtube.com/watch?v=_xblfSuBRx8&feature=related]