2. music
  3. 1287599346

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 2 responses by theunderlyingtheme

theunderlyingtheme OP
90 posts
 
My policy allows for "musical equipment" under the personal property section - so my guitars and (I assume) stereo equipment is covered.

But LP's, posters, etc. fall under memorabilia or anything where age/history/collectibility makes it valuable.

So a limited edition LP from 2008 wouldn't even be covered.
theunderlyingtheme OP
90 posts
 

Buconero - did Chubb require you to list every LP, CD, etc. that you own?!

I pray they didn't...

For the value of that collection, that certainly isn't a bad deal.
More to discover