Do you buy Insurance for Stereo Equipment?

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.

Hi Jlind - as I said, my agent is a long time friend of the family who made sure he knew what he was talking about when I asked him these questions back when I bought my equipment. It is covered under the normal types of homeowner's policies. As Stringreen suggests, it is always a good idea to take pictures. But my main point was actually that even if it weren't, the cost of insuring the equipment on some kind of separate policy or rider is simply not worth it, unless you spent at least six figures on your system.