High end insurance companies will do this as a matter of course, e.g. Chubb, Ace (which bought Chubb). I originally insured my hi-fi under a blanket collectibles plan. It is now scheduled by item and retail/replacement value. I have also insured my record collection- easiest way is a blanket, based on an apportionment of value, e.g. X copies at Y dollars, Z copies at A dollars, etc. I have also done a pretty good job of creating a schedule of records, more detailed for the high value records and I do have photos of most of the high value ones. The difficulty, of course, is replacement of a rare older record that is in a high grade of playing condition. So, even assuming that you are insured, and can prove a loss, you are still not going to have an easy time replacing some records. It is something that gives me nightmares some times, but at some point, I have to put this into perspective--my aim is to enjoy these things while I’m still alive. Once I’m gone, this collection, such that it is, will get broken up and sold to others. I’m just a caretaker.
