If you have a home owner's policy with replacement cost coverage your audio equipment is covered. That means if you have an amp that is made by Classe that is no longer in production your insurance company will pay for the equivalent current model. I have discussed this with my insurance agent (USAA). There are some items that do require a rider such as guns and jewelry in excess of $1000, but only if they are stolen, not lost in a fire or other natural disaster. This does not apply to audio equipment or even art work. Naturally you will have to pay the deductible (usually $500) and will need to prove what you owned. Pictures or videos are great and I even have a spread sheet with all items and serial numbers where applicable. Records could be tricky if they are collectible and out of print, but their value can be established. You should not have to pay for a rider and if your insurance agent says you do I'd talk to some different companies to see if you can get a better deal.
high end audio insurance?
I am looking to see if anybody knows where to find insurance to cover high $$ audio eq. The home owners policys do not cover what we have tied up in our eq.I am looking for theft coverage and maybe powerline damage or lightning strike damage any ideas from you audiogoners would be helpfull. What do you do to cover that big $ system you have thanks Marc P/S is coverage available for our records and cd's ?