I don't understand. As long as you have receipts and pictures, or can prove replacement value, why would audio gear be any different from any other personal possession of value? What reason did your agent give you for this?
Insurance for system
I have been trying to get theft coverage for my system without success. Between the electronics, cables and add ons I probably have around $100K invested in it. My broker suggested that she might be able to get coverage for some of the gear but not all of it. I know that there are specialty carriers for collectible cars but is anyone aware of insurers who specialize in coverage for what most carriers would consider luxury goods?