Insuring audio equipment

A few notes and recommendations from my experience

Firstly, as noted LPs and other media are not usually covered under most household policies -- a specialist such as Collectibles Insurance can cover them very reasonably and is well worth considering

Secondly while the system itself is likely covered many of you may have a contents policy linked to your house value (say a $300K contents on a $600K house for example) -- if you have a megabuck system it's quite possible you have insufficient insurance, so do check the numbers and if necessary increase the amount of the contents

For inventorying and valuing your LPs I strongly recommend using the Discogs app -- it actually makes the process rather fun and also draws you into the broader Discogs community. Better for rock than classical but excels at parsing the differences between pressings and how that links to value. My insurer told me that a Discogs inventory plus current photographs of the aggregate collection would be sufficient for proof in case of loss

ps being an add on insurer Collectible even threw in coverage for earthquakes, as you all know that's a (cost prohibitive usually) extra for those of us on the West Coast for most of our other insurance needs