As noted it needs to be excluded to not be covered. But there are also coverage limits for certain types of things. Vinyl may be considered a "collectible" and those items generally have fairly low $$ limits.
If your collection is super valuable (like 6 figures) then there are specialty companies that insure high end collectibles on a collectibles policy. No clue about Vinyl but seen these policies for wine, jewelry etc.
If your collection is super valuable (like 6 figures) then there are specialty companies that insure high end collectibles on a collectibles policy. No clue about Vinyl but seen these policies for wine, jewelry etc.