high end audio insurance?

I used a close up lens on my 35 MM camera and photographed the edges of my entire LP collection. 4X6 drug store prints and the original negatives are at the bank. This is an easy way to record every album without having to manually enter them into a ledger.

Keep your photos in a safe deposit box along with your families passports, Social Security and birth certificates, credit card records, handgun records, jewelry records, insurance documents and back up files for your computers.

I have as much concern with loss from severe weather and fire as theft. Try to Imagine standing in front of a pile of rubble where your home once stood and trying to recall everything that was inside before that moment.

A safe deposit box typically costs less than $30.00 a year. Hopefully you will never need to empty out its contents to prove what you lost. Take lots of photographs, they are cheap to produce and priceless if catastrophe strikes.

Rcreations, in answer to your question, I don't know. I have never had a claim and hope I never do. My State Farm Insurance agent suggested photos, and said they accepted them as good proof of contents of your home.

I did as Lugnut suggested and photographed everything in our home. My agent even suggested that video tape would be valid.

As for value, those who take 15 minutes to photograph their inventory stand a much better chance of receiving a fair settlement than those who have nothing. Many of us have grand schemes to inventory and list all our valuables but never seem to get around to it. With a library of several thousand pieces of software it is a daunting job.

I think the point is that presented with clear evidence of ownership, a market value could be settled upon between the insured and the insurance company.

Where a complete inventory and appraisal is preferred, those who inventory with photography right now are better off until (and if) they go a more professional route.

Rcreations, (and Lugnut) when I stated I had not had a claim and hoped I never would, I was referring to the equipment making up my music system and software.

For those who have not followed my posts about reconstruction of my home during the last 8 months, THAT was due to water damage that State Farm covered.

I still hope I never need to claim anything to do with my music.