Do you buy Insurance for Stereo Equipment?

I have it in my homeowners policy and made sure the agent had the extra value added for coverage. As far as it spelling out audio/video gear, it doesn't. But the value is there, if I want to spend the money on a boat that is my decision. But I have provided a "inventory" of property as well I keep all receipts and have pictures. The big mistake people make is they beleive "replacement cost" covers everything. It covers up to that value line that you establish when you start your policy, you need to update as you gain more property.

Theo - that makes sense. Thanks.

My understanding is similar to Theo's - that your homeowner's policy does cover everything up to the amount specified in it. You can pay for a special rider if you really want to, but this is quite expensive. Unless your system costs six figures, it wouldn't be worth it for most folks here. That's what I was told by my agent, who is a long time family friend and wouldn't lie to me about it. My system would only cost in the low five figures to replace. Now my horn, on the other hand, is insured on a totally separate policy, since that is my livelihood, but that policy goes through my orchestra's player's association. But insuring your audio system for most people here would not be worth the expense of doing it.

Speak to an adjuster not an agent. I had flooding in my house but didn't have any damage (it was 1 inch water from a burst pipe). I had flood coverage and everything was raised 3 inches high but I did find out that my system needed to be listed as valuables/ jewelry to be covered.

It is covered under the homeowners insurance....take a picture of it to prove what you have.