First of all, get a new insurance Agent. Yesterday.
This is insurance 101, and you should never trust the professionism of an agent that gave you such stupid, inncorrect advise.
First of all, if you have replacement costs on the rest of your personal belongings (furniture, clothes, dishes, etc) this will extent to your personal music collection, most likely with a cap limit of about $1000. Get them "schudeled" with your homeowners like you would expensive jewelry, guns, paintings, yes it will be expensive (very high fraud in this market, experts think 50% fraud)but this is the way to do it.
Get a new agent, really.
This is insurance 101, and you should never trust the professionism of an agent that gave you such stupid, inncorrect advise.
First of all, if you have replacement costs on the rest of your personal belongings (furniture, clothes, dishes, etc) this will extent to your personal music collection, most likely with a cap limit of about $1000. Get them "schudeled" with your homeowners like you would expensive jewelry, guns, paintings, yes it will be expensive (very high fraud in this market, experts think 50% fraud)but this is the way to do it.
Get a new agent, really.