Equipment insurance coverage

I have State Farm. Personal property is covered to an agregate of the home value. I have scheduled audio equipment, valuable watches & jewelry, art, etc. You just arent asking the right people.

I also have State Farm. It does cover audio. I shopped around years ago and most of them had like $2500 limits on audio. I have heavy documentation, receipts, and photos (including serial numbers). The more documentation you have, the better.

Could you afford to go out and buy a new system if it diappeared?  If so, your best bet is NO insurance.  Insurance companies make money because the policies cost more than they pay out.  If you can afford not to have insurance, you'll be financially better off in the end (statistically).  Add to that if you're a smart, careful person, you're much less likely to suffer a loss than the average person.  The average person is what rates are based on

Other than liability, which can wipe you out with today's huge legal settlements, I don't insure my cars.  If I crash one or it gets stolen, I'll buy another.

Jerry

High dollar housing insurance HO-3 policies  (Chubb, Frontline, etc.) do cover hifi rigs under the personal property coverages.  Your policy should specify "like kind and quality" replacement. That sum us usually a percentage of the home's value.  

Try Lloyds. I think they'll insure anything for the right price.