High dollar housing insurance HO-3 policies (Chubb, Frontline, etc.) do cover hifi rigs under the personal property coverages. Your policy should specify "like kind and quality" replacement. That sum us usually a percentage of the home's value.
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.