I'm an agent. Most carriers can cover albums, etc under a fine arts rider. Negotiate the rate given your exposure. Have a maximum per album limit and a total limit for your collection. The benefit by scheduling this stuff is that there is no debate at the time of loss and there is no deductible.
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!
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!