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.
