Insurance for system

@dhite71 Thank you very much!  I will contact them this week.

The cost is under $1,500 for almost $300,000 coverage.  

I have added all my audio equipment to my scheduled personal items policy in my homeowner's insurance policy (HO5+).  It includes jewelry, furniture, art works and audio equipment.  The reason I added the audio equipment is because I live in Los Angeles and personal property damaged by earthquake are only covered by an earthquake policy, more difficult and limited to collect from (especially with the HUGE deductible due to the overvaluation of replacement building cost at $307,000/10% deductible).  

So, at least I have peace of mind for my audio equipment that not only fire, flood or theft but also damage and earthquake are covered.  I doubt anyone is going to steal my power duplexes or my 700+ lb pair of speakers.  I have very little jewelry and my furniture is quite heavy (antiques as well).  So, it's basically for damage coverage.  

I am fortunate not to have tested my (special collections) scheduled personal items insurance.  This would include someone poking their finger into a speaker driver or bending a cartridge cantilever.  Better it should never happen.

@garebear Yes, I can replace my equipment but not 50% of my record and CD collection.  I cannot replace my 7,000 78s, of which half are ethnic music.  I cannot replace my limited edition CD collection of classical vocal, piano and string on labels such as Romophone, Biddulph, Marston which typically only pressed 1000 copies (Marston-on subscription basis).  I cannot replace half of my LPs or R2R tapes.  So, I am rather concerned despite living in a 24/7 guard gated community, with double exterior doors, perimeter wired alarm system to a central station with armed guard response, interior doors of 16" thick weighing 850 lbs. and 1000 lbs. and mostly recordings with limited salability (15,900 CDs, 7,000 78s).   

Sure, I'm paranoid but the music comes first for me.  I have noted to my insurance agent that I'm reasonable in assessing my music collection value, at $5/piece for CDs, $5/piece for LPs and market value for 78s (as sold on ebay or other sites).  At $5/piece for LPs and CDs, that's about $250,000.  I would pay thieves that much to return my music; however, as they are located in four locations, weigh about 25 tons and not easily packed (it would take several people working several days to remove and pack-I know it took me a month when I moved 5 years ago), I doubt that's what thieves would be after.   

My parents house was burglarized last year located on a minor traffic signaled intersection with full perimeter alarm like me but without perimeter cameras/motion detectors now there.  They stole 60-80s dresses (left the fur coats) and designer shoes.  No furnishings were taken.  No audio equipment or music recordings were taken.  The house was totally tossed (the armed guard failed to arrive for 1 hour 5 minutes and then did not see the rear or side yards broken windows for access-an anomaly. 

Living in the City of Los Angeles is a burglar's (organized gangs) paradise.  

@dhite71 I am currently checking with Lloyds of London as my Nationwide carrier cancelled my 22 commercial property fire/liability/earthquake insurance policies (no claims 18 years) last year and I have 9 months left after cancelling/non-renewal of my personal residence policies (28 years). My insurance went from $6800 in 2019 to $18,000 this year and Nationwide as 90% of the other major carriers have left or are leaving CA. I’m trying to get Chubb who insure my parents home 1 mile away. It depends on the number of policies an insurer is willing to write in a particular area to spread the risk. I do not live in a fire zone/area. Insurance problems were a nightmare for me from the 1980s-2000s. Now they have returned due to political malfunction in CA and insurers as well (State Farm just lost it’s rating to B, as a non-admitted carrier in CA and is pulling out now, cancelling 30,000 houses and 42,000 apartments).