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I do and don't - depends on the parts. Some companies let you break it out into categories and associate a price for each.
Things like car speakers I won't insure, but my radio, amps, and subwoofer (easier to steal) I do. So I add up the value of those components and document them. I then email or fax it over for their record.
I'll insure my coilovers but not strut bars. Things like intake and exhaust I usually don't because the insurance will replace it usually with the same part as long as it's not much more than the OEM equivalent.
Usually the price difference is not much. I think for $5k of coverage I was paying $60 more a year.
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