Insuring audio equipment

Have you considered asking your insurance agent for some direction in this matter?

Good luck with that one!!

I concur w/ lak,

consult your insurance agent 1st.

Yes, I did contact  my insurance company first.  Their response was to have an appraisal and try to have receipts (the receipt part would be futile, so an appraisal would be better).  Years ago, a bunch of my stuff was stolen in a move across country.  Back then, all I had to do was have an A/V friend right up the replacement cost on each item and I was paid that amount.  Of course, I had to argue with the insurance company for about a year while they came up with various "deals" to try and make me go away.  Eventually, they gave in.

Agreed - check with your insurance agent. Unless it's part of some professional use, audio equipment would be covered under the typical homeowner's policy. Note that CDs, LPs and computer software would absolutely not be covered under a standard policy.