Music Room and Floods

Davt,

I think if you shop around, you'll find an insurance company willing to insure your equipment and the room in case of flood or water damage. There may be a higher deductable, however. I think you should figure out replacement costs and ask around. Hope this helps.

I have a house in Brookline, MA which never had water in 7 years and a year ago, it had water in it twice, even with a sump pump. (The tenant didn't know it was a sump pump and had it unplugged). It ended up costing me $40,000 to rip out drywall 4 feet up from the ground, install Boston Basement Technologies, essentially a pipe with holes at the entire interior perimeter with two battery backed up sump pumps and replaced heat, sheetrock, electrical, plumbing, stairs and everything else. I now have the minimal flood insurance which costs about $150 per year. This covers $12,000 for the building and about $8000 for personal property. It is extremely cheap insurance. I have mine through USAA. You should try and give them a call at 1-800-531-8111. Now I have peace of mind and can sleep at night. Good luck.

I agree with the above. I have carried Flood Insurance on my residence for more than 10 years, even though I do not live in a flood prone area. The main reason is that flood insurance covers not only damage from floods, but also from ground water entering your home. And the annual cost is amazingly cheap. It is a no-brainer in my opinion.