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Separate Insurance Policy - LP's, Memorabilia, Etc

Afternoon All,

I was recently informed by my homeowners insurance company that not a single LP, poster, etc. I own is covered under personal property replacement.

They suggested Lloyd's Of London, which is a little ridiculous, since I'm not a store or franchise.

Can anyone out there make a recommendation for a place that's reasonable? I don't have a gigantic collection, but I certainly have enough where I need this stuff covered in case something happens.

Any help is greatly appreciated!
theunderlyingtheme

Showing 1 response by herman

herman
2,215 posts
 
My State Farm agent told me that the only limit on art, albums, and stereo was the overall limit for personal belongings. They are not treated like jewelry and guns that do have limits. He said the trick is to have a good record of what you have and an appraisal on anything that is higher than normal in value.

I'll double check now that you 've brought it up though.

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