Recently a friend in the insurance business was visiting my home. She commented on my machines and warned me my insurance coverage probably wouldn't pay full replacement cost in case of loss. I have very good coverage ("all risk") with a very good company. When I explored the matter more this week with my agent he confirmed that items such as my RaT's probably wouldn't be covered for their replacement cost because of the technical language of the contract (even though I have replacement cost on contents). I asked about scheduling them specifically and he said I should probably just look for a company that specializes in collectables.
So any advice would be most appreciated. What do you do to protect your collection?
Thanks