I just went through this as well, recently switching carriers. I use a broker, who has consistently told me that the machines are covered under homeowner's insurance...so long as your policy is high enough. You should have an allocation for "contents" coverage, which is a % of home value I believe. When switching last month, I asked them to confirm with my new carrier, which they did. What we were told is, yes, they will cover them, but I would need to provide proof that I owned/possessed them, and that it would be a very good idea to have records of how much I spent "or" how much they are worth. Photo records are great, but it was recommended that I take a video, date it, and go through describing each machine I own, the cost/value, and condition. As appraisals are hard to get on these, I asked if copies of emails on purchase price and/or the annual published price guide would be sufficient and was told yes. You may not get the exact $ you paid or what they're worth, but it will get you close. I even asked if I could take separate riders on these, and was told no, as they are considered home fixtures...as in they don't leave the home like jewelry and fur coats and the like...so no need.

What I have to do now is take photos of every machine and get those loaded on-line. Most of mine are up on Pinballowners, but that could use an update. And I may do the video thing too. Certainly easy enough.