anyone have experience with "replacement cost" insurance, and Allstate?

Thanks Audiobunker, that's encouraging, and also why I pretty much only buy local from this B&M store. I have been going to them for over 20 years. They loaned me another streamer so I could test out the rest of the system.  They really go above and beyond.

no_money
Give your local dealer/retailer a shout-out as well.
Happy Listening!

There are two approaches insurance companies take. One it to indemnify the owner as best they can, without giving you more than what you had.

The other is to screw you over every way they can, even when you're entitled to it.

I hope you have the former and not the latter, working on your behalf.

All the best,
Nonoise

I used to handle insurance claims. If the item is no longer made, I’d have a Levinson dealer write something on their letterhead that says what a comparable contemporary model would cost and why they are comparable. That way, you’ve done the work for the claims adjuster, who just wants to get the claim settled asap for what’s fair and show his boss you didn't receive more than you had previously.

BTW, "replacement cost" requires that you purchase the new item yourself and then provide the receipt to the insurance company. When approved, you will be reimbursed.