insuring vinyl

I hope this question is appropriate for this forum--I thought about posting it under "Misc." but worried that it wouldn't receive the same sort of attention it might here.

I'm curious how other people have managed to insure their vinyl collections. I recently found out that my renter's insurance doesn't cover vinyl (nor, apparently, do most homeowner's policies--so some of you may want to call your agents!). My particular insurance company is also uninterested in covering my collection as a whole, though they will cover single items of very high value. Since most of my LPs and 7"s are probably worth $5-25 with a few records maybe up to $50 or $75, this doesn't help much. I was told I need to have my vinyl collection professionally appraised, at which point I can either purchase a specific rider (assuming another insurance co. will issue me one) or hope that my insurance co.'s underwriters will allow me to bump up my total coverage to include the appraised value of my collection.

I'm wondering if anyone here went through anything similar, or has any advice about how to get vinyl insured and/or appraised (most of the appraisers locally specialize in art & antiques). Also, since my collection includes a lot of recent, indie vinyl issued in small editions by largely unknown bands, if anyone knows an appraiser who might specialize in such music I'd really appreciate a tip. I'm worried that many appraisers wouldn't know how to value bands other than the Beatles, Rolling Stones, etc.

Thanks in advance for any suggestions!

Joshua