My wife is an agent. Best thing I can tell you is to talk to your agent, ask specific questions. How does this coverage work, if this happens, how much do I get. I believe it can vary by state as well. You may need to add a rider or get them scheduled and possibly get appraisals, but they may take the price guide as a value, but you have to ask beforehand. You may have to agree to take that value, even if your is worth more. This is what your agent is there for.

As was stated earlier, talk to your agent. if they can't answer your questions, make them find out. Have them show you in your policy until you understand what you have. If you have a good agent, they will get you the information and advise the best way to insure what you have. Make sure they know the value you are talking about. A couple of pinball machines is different then "An HEP MM and a King Kong".