Anyone have their system insured?

Talk to your ins. agent about additional coverage to your household goods that will cover the equipment. Emphasize you want this coverage IN ADDITION to what you have now, as I understand you get a percentage of the house value towards contents. I found an agent willing to listen to my specific needs & gave him all my biz. Maybe a tad more expensive than the discount shops but I feel more comfortable now.

BTW, I changed companies a few years ago when we returned from vacation and one trunk of an 80' double trunk tree fell on a neighbor's house & the other one was leaning towards ours. After many phone calls I not only was very disappointed with the ins. companies attitude but also discovered I didn't have nearly enough contents coverage to include my stereo.

If you have a homeowner's policy (versus renter's policy), contents in most states are insured at a percentage of the coverage value of the house: typically less than 100%. Most insurance companies are willing to increase the percentage of coverage (up to 100%) at a far lower cost than a special rider for the audio system. Whenever I've looked at special rider coverage for either the audio system or the record collection, the premium has been astronomical.

Driver has it right. I would add that in the case of flooding you will probably need separate flood insurance if you don't already have it. I don't think it matters what the source of the water is; no flood insurance, no claim.

My system is insured, I wouldn't even imagine of not having it insured. Its fairly cheap and no matter what happens I am covered and theres no price that can be put on that feeling of security. I have a real good relationship with my agent so we went with a company he trusted the most. Most folks I know are VERY happy with CHUBB for this sort of thing, fair premiums and excellent service/coverage.