Insuring your Audio Room?

I’m not in the insurance business, so others who are might have a different view, but there is an economy in using the same company for all coverage. These high end insurance companies insure valuable art, yachts, etc. and are used to dealing with specialized items of value.
 The flood insurance is a whole other thing--my recollection, when we lived on the Hudson River, was that the only flood insurance available for the structure was the government associated "FEMA" type. For the possessions, I’d have a discussion with the broker about how the various insurers cover when there is a risk associated with flooding. We did have "flood insurance" but again, my recollection is, it doesn’t have a high limit and we were being overly cautious- during Hurricane Sandy, several properties along the river were destroyed. We were on the mountain (high) side of the road and suffered no damage that I recall, to structure, grounds, or contents.

Whart, thanks for your detailed suggestions! I'll take a look at the companies you mentioned. You mentioned special walls and electrical work. That's certainly something that would be important for some people to address. In my case not really but that's still a very good point. Thanks again!

Ira- to me, the key would be to talk to different brokers who represent those companies since you will be dealing with the broker in the first instance. I doubt if you called Chubb (which is now part of Ace or the other way around) the insurer would be able to do much more than refer you to a broker. It may be worthwhile, as mentioned, to talk to more than one broker, not because the cost of the insurance, per se, will differ, but there is the "personality" aspect, how hard they are willing to work with you to analyze and recommend, and the extent to which they represent more than one of these types of insurance companies to do a little comparison shopping on your behalf. 

I recall that in the past, personal property insurance was more piece meal, but in my case it has become more packaged over time. My coverage includes my home and automobiles under an umbrella package.

I've gone over this with my broker, and they provide standard plan coverage, so in my case $475K for personal property. The only relevant type that falls outside of the standard is jewelry, and they told me that my audio equipment is covered in the $475K amount. This reminded me of bundled packages from cable providers.

Of course, you want to keep documentation and take pictures of your gear. And, I realized posting my system here, may be another good way to add to that documentation.
Kenny

@kennythekey - I don’t disagree with anything you said. However, I think the word umbrella is actually a term of art (I got what you meant). "Umbrella" as I understand it as a consumer in an insurance context, is extra liability insurance over and above the insurance of things.
My suspicion is, cable analogy of "bundled" notwithstanding, it is cheaper to have one company do much of the coverage or at least have a broker figure out where some specialized insurance kicks in, as part of an overall insurance plan, rather than buying separate insurance for different kinds of coverage piecemeal.

I think a good broker can figure out where a cost savings is, rather than just selling you to maximize their fee. I’ve switched brokers a few times, though carried the same insurance, with modifications, over the years.
Part of the cost is also the deductible. If you are willing to eat the first 5 or 10 grand, the cost comes way down.