Equipment insurance coverage


Hello all, I have recently found out my Audio system IS not covered under my homeowners policy, Even though I have replacement cost coverage and am way over insured for personal contents. Im at a loss to find coverage for my system!!. Has anyone had any luck with insuring your gear?  Don't know what to do.

Thank you

Michael.

rediculus

Showing 4 responses by rediculus

Already did. And they can't find coverage. Thank you for your response test pilot.

Yes audio electronics is excluded in the fine print on my policy tried to add a rider to it no go. I’ve even shopped other Homeowner policies without luck. Spoke with multiple agents, went online, looking around Haven’t found someone that will write it yet. A real head scratcher. Will continue the hunt. 

I recommend everyone read the fine print of your polices, to be sure you're covered! I think some will find out your system is excluded!! so be careful. I finally checked my policy and Im in disbelief. And better to know now as I want my gear covered in any event. I just wanted to share this thank you.

Michael.

 

Unfortunately, I can’t even look at State Farm or Allstate As we’re in the hurricane state of Florida. So they do not write policies here. So far all of the other companies will not cover my AUDIO. Someone just mentioned try Lloyd’s of London. I’m gonna go online and see if I can secure that somehow. And I’m just so glad I asked and pushed a little bit to get a straight  answer from my agent. my agent does not care about me my AUDIO equipment or anything else as long as they get the commission that’s all they concerned with.