Such insurance is very expensive as it needs to be underwritten in a special policy form. Even then, they try to cap any one items at a max of $5K. To get the proper insurance you need to provide a detailed schedule, and yes, the underwriter will come to look at the 'stuff'. I have a special policy rider that covers my equipment and media. Cost for the rider is now $2300 a year. The policy max's out at $325,000.
