FPL has an insurance for electronics. It costs I believe less than $12 a month in case of lightning damages and such. Last month, we had a power surge that killed my five year old AVP. They gave me what I paid for it new. I was expecting a replacement value. Needless to say I was very happy.
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?