Getting Personal Property Insurance for your rig.

My hi-fi is covered as personal property under my policy.
Yes, I had a claim ... once. They paid.
You need to speak with an independent insurance agent that represents many companies. Allstate agents only write Allstate policies.

Read your policy. Most homeowners policies don't cover things such as LPs, CDs, or computer software. They typically don't cover art, jewelry beyond a small limit or anything business related.

It's absolutely worth the effort to be sure that what you need protected is, indeed, covered under the policy. That way, if you have a claim, there should be no ambiguity. That's been my experience.