I just moved and insurance

It can be helpful to go through every room in your house taking photos. Then save a CD with them in case you need to make an insurance claim. Open drawers and cabinets to show contents and take as many shots as needed to show everything you own.

yes, a proper homeowners policy would have you covered

just make sure the limits in the policy are consistent with the value of the gear

good luck 

Thanks everyone.

I your post were very helpful …

Read your policy carefully.  Insurance companies do not want to cover anything if it can get away with it.  so read the fine print.  If it does not say it is covered, or more specifically says it is not covered without some "rider policy" then you definitely need that rider policy.

In any case, take photos of each and every room, your clothes also, everything.  Working in Emergency Operations for awhile, I've found that people don't remember the details when trying to file a claim.  Too much stress at the time.

Keep receipts, and photos of everything.  Your music collection, books, clothes, appliances, furniture, audio equipment, watches, collectibles, everything. You need proof that you actually had that in your home and it makes it easier on you when disaster happens so that you don't have to try to remember each and every little thing. Because when they cut you a check and you cash it.  That is it.  It is way harder after cashing the check to re start the conversation.

Read your policy carefully first.

enjoy

As others have stated,, Stereo equipment is covered under your Homeowners policy with no special endorsement. To make sure read the sections of your policy entitled "special limits on covered property". This is where you will find limits on jewelry, firearms, etc. Stereo equipment will usually not be listed here.