I checked on this a few years ago with my homeowner insurance agent. Unlike works of art or expensive jewelry, which must be scheduled (a detailed listing with an appraisal) and require additional premium, my audio equipment is covered under the basic contents coverage up to the limits of the policy, for which I do have sufficient coverage. Audio equipment is not like art and jewelry and can be valued by description after a loss.
You would need to check with your agent for your policy. Also, my agent sent me written confirmation that this is the case for my policy (just in case!).
You would need to check with your agent for your policy. Also, my agent sent me written confirmation that this is the case for my policy (just in case!).