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As far as I know you need to read the small print of the contract. You should be doing that anyway, some of the contracts I've read in the last few years are worthless in any case.
It's hard to know without knowing the figures involved but one of the basic ways they differentiate is household items (carpets/sofa/etc), electronic items and in some cases collections. Then you have high value items where a collection could be considered as a whole value or each item is covered under household items.
How serious is your collection? If you are worried about it being stolen it's not that big :)
Airhead
@J0nathan
Yes I only see it as useful in the absence of any other figure should I ever end up needing/wanting to replace them, and being subject to only having the choice of overpriced sellers and all the postage I’d end up paying.
Would the insurance company need to/accept a Discogs list as proof of ownership generally? If I were not to declare anything, but then ended up making a claim against general contents and submitted a Discogs list, are they just going to say ‘no that should have been declared’?