I don't know if it is the same with all insurance company, but my house burnt to the ground, I had replacement value on the content and they gave me the full value of my album. They also replace my audio gear with today's comparable price gear as my stereo was vintage. The only thing that had a cap was computer and related items.I still remember it was clause H4 in order to be covered which I didn't have, they gave me $1500 flat rate. The rest they replace. I would ask the insurance company what is their policy.
Insurance - your experiences
I often look at my system and LP collection and think ’Although I have been told my equipment and vinyl are covered for fire, theft, and accident, I would hate to put it to the test,’Have you detailed equipment, CD’s, and vinyl to your insurer and have an agreed value?
Anyone have experience of claiming? What difficulty have you overcome with equipment classed as too ’old to insure’ - as is my 1984 Linn Sondek. Or even rare vinyl?Let me know your experiences.
Anyone have experience of claiming? What difficulty have you overcome with equipment classed as too ’old to insure’ - as is my 1984 Linn Sondek. Or even rare vinyl?Let me know your experiences.