high end audio insurance?

standard homeowners policies cover audio gear without special riders or $ limitations. you will be paid the actual cash value (usually cost less depreciation calculated by using a table unless you can substantiate another value) less your deductible.

the next level is to buy replacement cost coverage which has been discussed by tswitsel and t

thomas. both are correct - that a company will pay you to replace the damaged item with like kind and quality. HOWEVER, many if not most companies, will only pay replacement cost if you in fact replace it. they won't pay you the value of the replacement until you do replace it. they will typically adjust your claim on an ACV (1st paragraph) and when you actually replace it they will pay you the difference.

as indicated documentation is essential to having a smooth ride, receipts, photos etc. make the adjusters job simple as possible, they will love you for it.

mt thomas, i think claims adjusting is making a cynic of you! i found most people making claims are basically honest but misinformed - you get paid to inform them, hopefully without offending them. its this last trick that give's the industry a bad eye. hope they didn't promote you into auto claims adjusting - that would really make a cynic of you.

Tthomas, leaving the industry early was probably a good move. i don't know of many really old adjusters. alcohol or heart attacks takes a big toll as well as burn out. too bad as its really a great profession which allow you to learn so much about so many things. i actually loved it for that (i handled major litigation for a large multi national carrier)but its a crappy job for those not predisposed. good luck. by the way i enjoy your posts - very level headed stuff.