I've just gotten a policy for $100,000 coverage (which should cover the replacement cost of all components in the sound system). The yearly premium is surprisingly only $305. I explained everything to the insurance broker (through which I already have auto insurance) and it all looks good. She also suggested, as you did Mitchell, that I take pictures of everything more expensive than a couple hundred dollars. I'll be working up a list of my existing components, with printed photos, and their current replacement counterparts and costs. I might ask for a little help here with some of the details (for instance, what is the current counterpart to the DSW33?)--it's easy to adjust the policy later to cover a different estimate.

An unexpected pleasure: 800v1.61, 861v2.5, DSP5000s; DSP5000C; 2x DSW1500 (all 96/24).