Whole reference system was stolen, need budget friendly integrated. Help Please!

How can you sue your insurance company for a first party claim? Doesn’t the contract say you must go through an arbitration process? Did you have a replacement cost coverage policy? If you do then the insurance company will pay you depreciated value on your items holding back the amount of full replacement cost until you prove you replaced the items. Better companies would not even do that last step to you but just pay replacement upfront.

You must “schedule” or list higher value items above a certain amount. They then charge additional premium for the specific bumps in coverage. Each company and their respective amount limits are different.

How can you sue your insurance company for a first party claim?

As an insurance lawyer I can tell you that in the vast majority of States, yes you can sue your insurer despite any mandatory arb provision. To hold otherwise would be circumvent each State's law as to insurer bad faith. 

What often happens-not saying it happened here-is that the insured submits an inflated claim, substituting current versions of a product for a product no longer in production, getting estimates from a vendor in a wink-wink scenario in which the vendor wants the sale(s), ignoring depreciation and fair market value, to name a few. 

Claim reps don't know about audio so they do what anyone would do-they ask questions and do a little research. 

I am not here to dispense advice but talking to your agent, reading your policy, taking photos of your gear in your home and keeping receipts and records are all good things to do.  

A used Luxman 509X will do you fine. It is within your budget and allows you to keep the D-03X. The sound will be different from the MAC, though, more neutral. 

My question for the OP is if the current request for advice is intended for a temporary solution until thing’s hopefully get sorted with the insurance company or if you’re now on a different path entirely. 

I have no experience with your gear (or any gear at that level), but don’t think that selling a top shelf source that you enjoy should be considered.

keep your best gear, fill it the rest as you can in the short term, and then work to upgrade again in the future. 

eOkay, I will try to gtive soem color on on this part of it. 

We worked with our agent on getting each  of these scheduled.. We provided receipts from authorized dealer, serial numbers, and had our agent come out each December to verify everything was still there, and went as far as getting a notorized document from a Audio Classics detailing what current products McInosh had that were direct replaement of each piiece and the MSRP.

• B&W 802 D'3 s
• B&W HTM1 D3
• B&W 804 D3
• 2 pairs ( 4 speakers) B&W CCM 818 in ceiling
• Mcintosh MX122
• McIntosh C2700 
• McIntosh MC453
• McIntosh MC207
• McIntosh MC205
• McIntosh MCT500
• Oppo 203
• Furman IT-Reference 20i Power Conditioner

Living Room Scheduled 

• Anthem MRX 710
• Oppo 203
• KEF R700

We didn't bother with the networking equipment like luxul router, Watt Boxes, unmanaged switch, etc. 

We did everything we were told to do and paid the premiums for the coverage thsi last 6 years. After the theft, THEN we were informed it was filed by THEM under musical instruments, and they are not.

I hope this clears things up. I sure wouldn't expect to get replacement cost under a normal inside property claim. They had no problem paying out for the Rolex Milgauss, GMT Master 2, and my Omega Speedy Pro; nor my wife's jewelry. 

It does not but I make no accusations and pass no blame. But no, what you say above does not clear things up a bit. I've been in the industry way too long. No way did your agent come out once a year to verify your possessions and then the insurer denied the claim under that pretense. I just don't buy it. Unless he was an independent agent and he made bad mistakes. I need to shut up and I will not respond here on this again. 

Did you have a replacement cost coverage policy? 

The scheduled was written in with language that lays out:

• If piece is less than 8 years old and the original company is still in business, a new replacement is to be used UNLESS the company still has "new old stock" of the item stolen, then that is to be used. 
• Any equipment scheduled that was bought new more than 8 years ago, FMV will be given

Given the amount tht was scheduled, the insurance company asked for an amendment that states one lump sum will not egien out, they have asked to see official quote from a dealer and make sure it is in line with what it;s replacing and I am not going way up the line if names change...like if I told them the R700 is now the R 7 Meta.

My atty and others at the firm feel pretty good, but they all say the same thing on getting dragged out. 

It does not but I make no accusations and pass no blame. But no, what you say above does not clear things up a bit. I’ve been in the industry way too long. No way did your agent come out once a year to verify your possessions and then the insurer denied the claim under that pretense. I just don’t buy it. Unless he was an independent agent and he made bad mistakes. I need to shut up and I will not respond here on this again.

Do whatever you want to buddy. You don’t know me and I don’t what you do for a living. All I can tell you, is that I had to pay a extra premium every year when renewal came up. Agent came to verify what they were ensuing was still owned and they also required us to take my watches and wife’s jewelry to get appraised for their schedules.

I know I am  out out of luck on the Focal Diablo’s, because I traded the D3’s in for them back in August and I got too busy and never got around to taking D3’s off and adding the Diablo’s. I have no idea why independent agent matters, butt he in fact is, and got us to go with a good company that I have dont some contract work for in the past several years

My question for the OP is if the current request for advice is intended for a temporary solution until thing’s hopefully get sorted with the insurance company or if you’re now on a different path entirely. 

I think I am going to do things different this time. I am going to focus most energy and budget on a great 2 channel setup and we will still do the theater thing, but likely go AVR and pretty good to good Atmos setup that will be movies only, 

Ever since 2016, I use it for 80% music anyway

I know this the amp-preamp board,. but I had an interesting weekend listening to the Q Acoustic Concept 50's. I found myself really enoying them and for the first time in years, I didnt pick apat or anaalyze3 a song's little things and yust laeid back and seriously jammed out. I used the Luxman D-03x as the main sourcew and my older Oppo 103D for my SACD. My local dealer is closing the showroom this week and dioubg a company retreat, so he loaned me their Rotel 1592 Mk2 for the week, 

I thought the Rotel dad a really god job at powering/controlling the 50's and the Aria 926. The one thing that baffled me was streaming. I am using Roon ob my Macbook Pro. Out of the 3 USB DACs, (Rotel, Luxman, and Topping 90se) I thought the Topping was a good bit better. It certaily shocked me. I am going to try it again and make sure everything is level matched. 

So, the 1592 mk 2 isnt bad at all. I am going to listen to the Technic SU-G700M2 and the Music Fidelity M6SI. Any other suggestions?

I like the Hegel integrateds, I have an older h360, but heard the h390 drive a pair of Dali epicon 8’s compared to a hifi rose that I don’t know what model, but the Hegel clearly handled the Dali nicely. The dealer had the MF6 i si,idk that he said he preferred over the Hegel but we didn’t compare those. He carries MF and the Hegel was in on trade so make of it what you will. Dali makes some sweet speakers.