I spoke with my insurance folks back when this thread first started, and got email confirmation from them that ALL of my machines are in fact covered under personal property. That was from the lady that works in the office, the agent himself, as well as their underwriters. I did have to increase my amount of personal property insurance since these things are getting so expensive. so my annual premium is now higher, but at least I have peace of mind that my machines will be covered with everything else in my house should I suffer a total loss.
hope this helps someone.