Having recently purchased a second hand Krell 300il for a sizeable amount of money. It left me wondering whether my house and content insurance was going to cover these in the event of theft / damage etc. Now I know it should be a case of contacting my current insurers and simply asking them. But I dont want to call them get told yes it covers everything and then if I had to make a claim they laugh at me when I tell them the cost of my Hi-Fi /AV system. My actual hi-fi system is all second hand purchases but my AV system is all from new purchases. Do I tell them the original retail costs of the items. I mean how are they going to be able value a second hand Krell 300il? Does anyone have any experience of this? Are there companies that specialise in Hi-Fi /AV Systems insurance at a sensible premium? Am I getting too paranoid. Any advice would be great.