Resale value of new speakers

This goes off a bit from your question, but I would re-read  your policy very carefully. I do a fair amount of insurance replacement in my work and I've not seen a case where an insurance company has forced a client to replace an item. What if the item lost was, say, your father's or grandfather's and a large part of its value to you was sentimental. The insurance company cannot replace that, and in my experience cannot make you, but should determine what it would cost to replace them with something of "like kind and quality" (insurance industry buzz phrase). What you originally insured them for represents the monetary cap of their liability to you and if an item legitimately costs "x" dollars to replace and you choose not to, they should pay you "x' or perhaps less if they can demonstrate that they can get it for less. I'm sure there are many kinds of policies and polices are legislated differently from state to state, but I would take a hard look, if you haven't already, as to what your policy says in writing. Any claims situation by definition is an adversarial one, and in my experience the claims agent is not your friend nor necessarily looking out for your best interests. I've seen more than a few cases where a claims agents says something that benefits the company which turned out not to be so. Not saying it's what's happening here, but it's worth confirming.