Equipment insurance coverage

I also have State Farm. It does cover audio. I shopped around years ago and most of them had like $2500 limits on audio. I have heavy documentation, receipts, and photos (including serial numbers). The more documentation you have, the better.

I have State Farm. Personal property is covered to an agregate of the home value. I have scheduled audio equipment, valuable watches & jewelry, art, etc. You just arent asking the right people.

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.

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

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. 

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.  

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. 

FWIW, most property policies are fairly broad and include coverage for all risks, and property, which are not specifically excluded within the policy. I suggest you read your policy! Then I suggest that you try contacting your insurance company direct if you can and ask them. It looks to me as if your agent is reading your policy looking for an affirmative statement which sez that audio equipment is insured. I'm not surprised that he didn't find such a statement. 

Already did. And they can't find coverage. Thank you for your response test pilot.

Talk to a qualified home insurance broker.  I’m fairly sure that you don’t go onto insurance forums and ask for audio advice.