Could you afford to go out and buy a new system if it diappeared? If so, your best bet is NO insurance. Insurance companies make money because the policies cost more than they pay out. If you can afford not to have insurance, you'll be financially better off in the end (statistically). Add to that if you're a smart, careful person, you're much less likely to suffer a loss than the average person. The average person is what rates are based on
Other than liability, which can wipe you out with today's huge legal settlements, I don't insure my cars. If I crash one or it gets stolen, I'll buy another.
Jerry