It is, without a doubt, in my house. There is still an ongoing conversation with my insurance agent, as it stands, they say to keep accurate "records", hahaha, of the collection and equipment and that "should" suffice. But I'm still pushing for a way to separate this from our blanket Home Owners coverage. All that being said, a flood would be devastating to my little corner of our home, a fire would be awful, in the end outside of photos and a few personal items, things can be replaced, but, the bulk of the records I have would be hard to replace due to either scarcity or value. He's supposedly looking into it, but at a certain point and or collection size, you do need to look beyond it being part of the umbrella policy in my opinion.