Insurance for system

As stated by others, stereo equipment is covered under the personnel property coverage of your HO policy. However, records are considered media and may have a specific dollar limit. Read the policy 

What you’re looking for is called a Personal Articles Policy. It’s used to insure things like art collections, stereo equipment, and other expensive collectibles. It’s one of the cheapest insurance types to have; don’t try to list these on your regular homeowners or renters policy, as it will be really expensive and/or you’ll max out the allowed scheduled amount. A seven figure Personal Articles Policy will run you two or three grand... Ask your broker about adding it to a homeowners or renters policy.

Thanks everyone for the great information which I will follow up on. It is a treat to be able to post about an issue and get educated responses like this.

I concur with the posts indicating your home owners coverage on it own is insufficient, but getting a rider should be no problem. While my HiFi gear fits withing my home owners coverage my astronomy gear does not.

When I did my riders with Safeco I was told to bundle multiple items together to create "systems" and get a rider for each system. This was more cost effective. I was also told to just state what I wanted it insured for as some items cannot be directly replaced and there could be much debate in replacement value. So for my one telescope I simply said $50,000. This included the telescope and several high end eyepieces. Think amp, pre-amp, turntable, speakers. In the end I'm paying to insure an amorphous $50,000 thing.

100 k and you don't know how to insure it ?