Getting Personal Property Insurance for your rig.

As soon as you have expensive items that are hard to value because they are rare or scarce, you need to get an addendum to your normal home owners insurance or renters insurance. Insurance companies will be able to give you pennies on the dollar unless you specify 'replacement value (as anything collectable will not be properly valued via the normal method of valuation of used assets). One fact of HiFi equipment, regardless if you buy used or new, there is a huge bid/ask spread (difference in the price you can resell the equipment from the purchase price). Unless you specify replacement value (you will probably get used prices, but if you don't) you will at best receive the value you would if you took it to your local record store or eBay. Depending on the total estimated replacement value (or the amount you want to insure).