Talk to your ins. agent about additional coverage to your household goods that will cover the equipment. Emphasize you want this coverage IN ADDITION to what you have now, as I understand you get a percentage of the house value towards contents. I found an agent willing to listen to my specific needs & gave him all my biz. Maybe a tad more expensive than the discount shops but I feel more comfortable now.
BTW, I changed companies a few years ago when we returned from vacation and one trunk of an 80' double trunk tree fell on a neighbor's house & the other one was leaning towards ours. After many phone calls I not only was very disappointed with the ins. companies attitude but also discovered I didn't have nearly enough contents coverage to include my stereo.
BTW, I changed companies a few years ago when we returned from vacation and one trunk of an 80' double trunk tree fell on a neighbor's house & the other one was leaning towards ours. After many phone calls I not only was very disappointed with the ins. companies attitude but also discovered I didn't have nearly enough contents coverage to include my stereo.