I don't do a business, this is just a personal hobby. I was told by State Farm that I need an add-on to my homeowners for Personal Article Policy. It's very cryptic to get exact information from them, but basically they said I need to list everything and it's worth (and I assume serial numbers would help if available) BUT they said I need to get an "appraisal" for everything over $1000 This seem ridiculous to me. I don't have Vintage gear I'm trying to cover. Just regular gear, like say a 2012 Gibson LP Trad Plus which would be fine IF they got a 2016 replacement (only issue is apparently THEY buy it, which suggests I don't get a chance to even try them first? But one can always return/rebuy since they mentioned GC) I thought this was only necessary for Vintage or Custom or Collectible items. Anyone else cover their gear from State Farm, and particularly in NC that can explain how they went about itemizing and what this coverage REALLY means?