Getting Personal Property Insurance for your rig.


I just had an Allstate agent tell me that he's sorry, but they're unable to insure my "$120k stereo".

Do any of you have personal property insurance protecting your system against fire/theft/etc?

If so, how did you go about getting it and who did you go with?

Has anybody had to file a claim?
fliz

Showing 1 response by ejr1953

Many years ago I had a "visitor" help himself to my audio system.  I had photos of my system and receipts for the items I purchased new from a store, with serial numbers and they paid claims for those items, but did not pay for the speakers I purchased used.

At a minimum, I'd say having photos and serial numbers would be a good thing to have.

With an audio system of that value, I'd check the policy limits on your homeowner's personal property coverage, and whether it has exceptions.  I once discovered, buried in the small print, that my wife's jewelry would not be covered, so we purchased a "rider" to cover that.