anyone have experience with "replacement cost" insurance, and Allstate?

I looked into getting coverage for my system a few years ago. State Farm, Geico, Chubb and Farmers. They all said that my system had to be on a rider that needed to be substantiated by their appraiser who was brought on by the adjuster. Long story short -  They were all were clueless on how to evaluate a audiophile system. The cost of the rider proved to be prohibitive.

My Levinson dealer is local. They took at look at the units and determined they were beyond repair. Allstate sent a guy by to look at them and take pictures. I am now waiting to hear back from them.