Mellotronists

Noting that the value of my M-400 appears to be worth twice as much 
now as it was ten years ago, I need to update the value for insurance 
purposes with my homeowener's policy. 

It seems though, that I got into a little trouble with my insurance 
company for touring with Optigans, Farfisas and other not-so-common 
equipment/vintage noisemakers--they stated that going on the road 
with these things is a whole different coverage plan that just 
keeping them in the living room as--ahem--pieces of furniture, sort 
of speak. 

I tooks pictures of the tron when I first brought it home, and told 
my agent I bought it for $1,800--but they squabbled with me recently 
for notifying them of its current replacement value. It must be hard 
for them to conceive the value of what appears to them as an 
unassuming white box.

Gee whiz--increased coverage--it's money for them anyway...

Any horror stories of insuring your 'tron/vintage gear? And what 
really is the difference in coverage for touring with Mellotrons, 
etc., if you dare do take these things out on tour? In my case, it's 
around the town and nearby towns with a triumvirate of other noodlers 
that bring out their "toys" for an occaisional unrehearsed cacophonic 
bash.