Insurance On Equipment

I'll soon find out what is involved in specifically covering all of my "gear". I'm in the process of documenting ( via video tape ) and itemizing all of my major belongings for insurance purposes. Once this is done and i have itemized everything, i intend to pay a visit to my insurance agent so that we can compare notes. I can't wait to see the look on their face when they see the total for "electronic goodies"... : ) Sean
>

Why wouldn't the regular personal property coverage take care of this?? My policy has $175,000 of replacement cost coverage already. I do not own that much property as it is!! Why should I pay even more for the audio gear??

I don't pay a significant amount more per $1000 for my named rider. But for unusual stuff it easier to process a claim for exotic equipment that a claims adjuster might never of heard of or doubt that you owned (what if your receipts burned with your house). These types of riders are very common for antiques, jewelry and collectibles.