Insurance question

This is a serious problem.
I havwe carefully discussed this with my agent and he swears that as long as I have documentation (videos) of my stuff I am covered.
I have a 'replacement cost' apt dweller policy for $85,000. replacement cost and most of that money is stereo stuff and LP/CD?DVD collection.
(Ps I use a small 'local' insurance company)

Mine is insured at replacement value. I have a special ridder on my home owners policy. I have gone over my entire investment with my agent at my home and have submitted paperwork whenever I change a component.

Several years ago, we had a lightning strike that got my system. The insurance company sent an adjuster to photograph my stuff. They promptly sent a check to cover everything at full replacement value.

I believe in being up front with your insurance carrier. It costs a little bit more, but it allows me to relax.

Be sure to find out about coverage for power surge. I am in the business and know for a fact that coverage for electronics damaged due to power surge is $1,000 per item maximum. That could pose a serious problem for some audiophiles. The documentation is a good point and I always mention it to my clients. Photos, video, and receipts are all helpful if you have a loss.

take pictures have Reciepts and your good to go.

I just switched insurance carriers. Aside from better rates, one of the reasons for my decision to switch was a very reasonable "all-risk" rider for my audio electronics.

For the same covereage, my previous carrier was 3-4X more costly.

Review your equipment values and current coverage w/your agent...defiitely shop around!