Equipment insurance coverage

Typically (in the UK) 'valuable items' over a certain amount need to be listed individually, but there isn't necessarily an exclusion under an 'all risks' policy. You just need to let your insurer know that you have X, Y and Z among your household content. I have never seen an exclusion specifically aimed at audio equipment. 

Please understand, all insurance companies spend most of their time and money on one thing---HOW NOT TO COVER CLAIMS.

Sad but true.  Check out how much money the insurance industry spends on lobbying efforts.  Criminal, but legal in America.  

Yes audio electronics is excluded in the fine print on my policy tried to add a rider to it no go. I’ve even shopped other Homeowner policies without luck. Spoke with multiple agents, went online, looking around Haven’t found someone that will write it yet. A real head scratcher. Will continue the hunt. 

Dunno I have a rider for photo equipment, why would electronics be any different.

I recommend everyone read the fine print of your polices, to be sure you're covered! I think some will find out your system is excluded!! so be careful. I finally checked my policy and Im in disbelief. And better to know now as I want my gear covered in any event. I just wanted to share this thank you.

Michael.