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Lab Insurrance & Theft Prevention

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KF5OBS:
No matter how big or small your lab is, you probably have lots of precious gear sitting around. And no matter how large your wallet is or how inexpensive your gear is, you'd probably be upset if a fire burns it down or some bad person takes it from you. I'm curious how insurance covers this sort of hobby equipment in the various countries. In the US it seems that most insurances don't want to work with me at all under the headline "Renters Insurance" or "Homeowners Insurance". They insist the equipment is commercial in nature and since I (truthfully) admit that I have ad revenue from my blog, it's a deal killer. And the "Business Insurance" guys are not certain what to think of equipment worth more than the house just in one room. Haven;t gotten any carrier to want to work with me. Back in Europe it was no deal at all. The insurance carrier was "Provinzial". All they did was tag a few Euros a month more on my parents house insurance policy to cover my Rohde & Schwarz gear.

I'd really like to hear if someone had similar problems and found a solution for this. And also interesting to know would be how it works for you in other countries.

And while we're discussing this, Alarm Systems are probably right along the topic as well. I always wonder what an average neighbourhood burglar would think of modern lab equipment. Some things, like my LeCroy HDO4024, look like a all in one PC. Other things may look meaningless. Does anyone have experience with break-ins either at home or at work and can share some real world results?

theatrus:
Have you tried listing it under an all-hazard personal article policy?

aroby:
Have you tried the insurance companies that deal more with high value properties, artwork etc?  Chubb and Firemans come to mind.

Anthony

KF5OBS:
Those two responses are great ideas! Since I am new to the US, I may be a little blind to what may be apparent to people like you who lived here for a while. But that's good, that's what Forums are for. I'll check into both options.

Fank1:
45 cal. auto loader high capacity magazine.

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