Whole reference system was stolen, need budget friendly integrated. Help Please!

eOkay, I will try to gtive soem color on on this part of it. 

We worked with our agent on getting each  of these scheduled.. We provided receipts from authorized dealer, serial numbers, and had our agent come out each December to verify everything was still there, and went as far as getting a notorized document from a Audio Classics detailing what current products McInosh had that were direct replaement of each piiece and the MSRP.

• B&W 802 D'3 s
• B&W HTM1 D3
• B&W 804 D3
• 2 pairs ( 4 speakers) B&W CCM 818 in ceiling
• Mcintosh MX122
• McIntosh C2700 
• McIntosh MC453
• McIntosh MC207
• McIntosh MC205
• McIntosh MCT500
• Oppo 203
• Furman IT-Reference 20i Power Conditioner

Living Room Scheduled 

• Anthem MRX 710
• Oppo 203
• KEF R700

We didn't bother with the networking equipment like luxul router, Watt Boxes, unmanaged switch, etc. 

We did everything we were told to do and paid the premiums for the coverage thsi last 6 years. After the theft, THEN we were informed it was filed by THEM under musical instruments, and they are not.

I hope this clears things up. I sure wouldn't expect to get replacement cost under a normal inside property claim. They had no problem paying out for the Rolex Milgauss, GMT Master 2, and my Omega Speedy Pro; nor my wife's jewelry. 

It does not but I make no accusations and pass no blame. But no, what you say above does not clear things up a bit. I've been in the industry way too long. No way did your agent come out once a year to verify your possessions and then the insurer denied the claim under that pretense. I just don't buy it. Unless he was an independent agent and he made bad mistakes. I need to shut up and I will not respond here on this again. 

Did you have a replacement cost coverage policy? 

The scheduled was written in with language that lays out:

• If piece is less than 8 years old and the original company is still in business, a new replacement is to be used UNLESS the company still has "new old stock" of the item stolen, then that is to be used. 
• Any equipment scheduled that was bought new more than 8 years ago, FMV will be given

Given the amount tht was scheduled, the insurance company asked for an amendment that states one lump sum will not egien out, they have asked to see official quote from a dealer and make sure it is in line with what it;s replacing and I am not going way up the line if names change...like if I told them the R700 is now the R 7 Meta.

My atty and others at the firm feel pretty good, but they all say the same thing on getting dragged out. 

It does not but I make no accusations and pass no blame. But no, what you say above does not clear things up a bit. I’ve been in the industry way too long. No way did your agent come out once a year to verify your possessions and then the insurer denied the claim under that pretense. I just don’t buy it. Unless he was an independent agent and he made bad mistakes. I need to shut up and I will not respond here on this again.

Do whatever you want to buddy. You don’t know me and I don’t what you do for a living. All I can tell you, is that I had to pay a extra premium every year when renewal came up. Agent came to verify what they were ensuing was still owned and they also required us to take my watches and wife’s jewelry to get appraised for their schedules.

I know I am  out out of luck on the Focal Diablo’s, because I traded the D3’s in for them back in August and I got too busy and never got around to taking D3’s off and adding the Diablo’s. I have no idea why independent agent matters, butt he in fact is, and got us to go with a good company that I have dont some contract work for in the past several years

My question for the OP is if the current request for advice is intended for a temporary solution until thing’s hopefully get sorted with the insurance company or if you’re now on a different path entirely. 

I think I am going to do things different this time. I am going to focus most energy and budget on a great 2 channel setup and we will still do the theater thing, but likely go AVR and pretty good to good Atmos setup that will be movies only, 

Ever since 2016, I use it for 80% music anyway