Insurance for system

……some companies will allow you to add what is known as a ; Rider to your homeowners policy . It has been previously noted that adding the value of your stereo along with the media may create a limit that exceeds a personal property limit on your policy . Valuation is the limit as replacement cost is the correct avenue . However , replacement cost with “ same like and kind ‘ could be an issue at a loss especially if you have some older equipment that is irreplaceable . I get nervous on the value of my CD collection as some cannot be replaced and that’s where a claim can go side ways as along with our equipment we know the value of it in the marketplace but insurance companies do not . We have an emotional attachment to our music and gear. The Riders I have mentioned are not inexpensive ( what is ) but when a loss occurs and we believe that they never will , but they do you will be glad you have it in place. One other point to consider is if you live in a flood zone or an area that is prone to tornadoes. That is a whole different ballgame but if you are in those zones , a conversation with your agent and company is a must . 
This is a great post that we as audiophiles really need to look into and feel comfortable about the coverage you have in place because all that it takes is just that one time so be diligent about it . 
I retired from the insurance industry after 42 years . Talk to your agent and make sure you are covered and check different companies . 

I read somewhere -- maybe here at the 'gon, maybe elsewhere, about a person making purchases, and wanting the listing/receipt to *not* include the word, "vintage". This want was out of concern that an insurance claim might be denied, on the grounds that, "... your policy specifically excludes "heirloom", "vintage" and "antique" items."

It seems that the advices and thoughts offered here would avoid that particular pitfall by specific receipts and photographs having been provided to the insurer at the time of policy creation.

Great posts here.

Go to a different company I have progressive ,you just have to upgrade your coverages .

…..very good point on noting that you own vintage equipment as that is a whole different animal and coverage as well as the company that insures such items.

I insure my collection in a separate policy my primary insurance broker shops for me. Every couple years we move around, but obtaining insurance has not been a problem. It is a policy similar to what would be used to cover fine art.