Insurance

I've contacted my agent and have been told that my gear is covered under the contents coverage, up to that limit,  of my HO policy. I asked that the agent double check that and was told it was confirmed.

I have asked my Allstate agent numerous times over the years if I need separate coverage and have been told time and time again that I did not, same as @kerrybh .

There may not be a total limit on electronics, up to your personal household items limit, but it is most likely limited at around $200-500 per item.

Maybe this?

MusicPro Insurance -- Affordable Insurance for the Music Professional

I keep an excel spreadsheet of my equipment, tools, furniture, clothing etc and make sure my agent adds that value to my homeowners policy. And also make sure your policy allows for inflation.