I have a separate rider that covers my gear at 'retail' replacement cost. Have pictures (from several angles) of all equipment along with sheet with serial numbers, cost, and how many units are involved, all filed with insurance agent. Have agent come over to inspect set-up too so he/she actually sees and grasps what you are insuring. A real eye opener for some of those people.
Insurance rider for your gear?
How many of you folks here have a separate rider on their homeowner's insurance policy for their gear? This question was posed to me by my understanding spouse as she perused the the credit card statements containing my most recent acquisitions.
I know that we are covered up to certain amounts under contents, but our system is now at the point where it represents at least 25% of the total covered by our policy for contents of the house.
I know that we are covered up to certain amounts under contents, but our system is now at the point where it represents at least 25% of the total covered by our policy for contents of the house.