Do you buy Insurance for Stereo Equipment?

I know HO-3 policies like you guys know cables...get it in writing before the claim.

Hi Jlind - as I said, my agent is a long time friend of the family who made sure he knew what he was talking about when I asked him these questions back when I bought my equipment. It is covered under the normal types of homeowner's policies. As Stringreen suggests, it is always a good idea to take pictures. But my main point was actually that even if it weren't, the cost of insuring the equipment on some kind of separate policy or rider is simply not worth it, unless you spent at least six figures on your system.

We also use USAA homeowners insurance. We have our antiques and expensive items listed in a separate schedule with photos and receipts for each item. In the event of loss we will get the replacement value for those items. The rest of our household goods falls under the homeowners insuranace coverage we requested, which includes all forms of electronics, and my stereo, yeah. When we did the extra rider for the rare items, I kept asking about my electronics, and the representative always responded that my stereo was under the normal insurance up to the limit we are insuring.

I am satisifed with this policy. In addition, the mention of alarms, home security systems, video surveillance, friends Smith and Wesson, helps to reduce the fees.

Audioquest4life

USAA. An outstanding insurer, and OK - bank too.

Alarm systems and video surveillance all to good, but I'd think mentioning you have firearms for home security would bring suggestions to jack-up your liability coverage. Disclaimer: I'm an ex-service member and been with USAA for over ttwenty-five years - back before they were selling investments, catalog goods, etc. (c;

My life insurance is cheaper. There is of course no way that I can profit from this kind of insurance but it is also a question of principles. It feels as if my gear is more valuable then my life. Besides my gear already cost me a fortune.

Regards,