" I'm thinking of getting an insurance rider on my audio equipment, some of it more vintage. "
It may be nothing, but a rider is a term that is usually used by life and health insurance agents. P&C agents usually use the term endorsement instead. Given that, you may not be talking to the most qualified agent in your insurance office. Keep in mind, I'm just guessing and there may be no cause for concern at all.
If you get an endorsement for you home owners policy, remember that they will only go by what's in print. If its not clearly written in black and white, assume you're not covered. Also consider that some types of claims may not be covered under a standard policy, like wind and water damage. If you're a renter, the rules may be different than they would be for an owner, so just be aware of all the details.
And as is always the case, no matter what the circumstances are, no insurance company wants to pay claims. Unfortunately, most companies will still try and negotiate settlement, even if the cause and cost of the loss is perfectly clear. You want to try and use a company that will fight you the least.
It may be nothing, but a rider is a term that is usually used by life and health insurance agents. P&C agents usually use the term endorsement instead. Given that, you may not be talking to the most qualified agent in your insurance office. Keep in mind, I'm just guessing and there may be no cause for concern at all.
If you get an endorsement for you home owners policy, remember that they will only go by what's in print. If its not clearly written in black and white, assume you're not covered. Also consider that some types of claims may not be covered under a standard policy, like wind and water damage. If you're a renter, the rules may be different than they would be for an owner, so just be aware of all the details.
And as is always the case, no matter what the circumstances are, no insurance company wants to pay claims. Unfortunately, most companies will still try and negotiate settlement, even if the cause and cost of the loss is perfectly clear. You want to try and use a company that will fight you the least.