Insurance for audiophiles

This should be covered with your homeowner's polict or your renter's policy. Check with your agent.

as unclejeff says, your stereo system is just one of the many items covered under your fire and theft policy.

you have two choices--full replacement value, or "market" value, with preiums varying accordingly.

if you own some expensive components which have poor resale value, you should consider replacement value.

IN my experience, at least in the US, the best (not cheapest) insurer is Chubb.