Lake,
Your homeowners insurance agent should be able to do what is called a rider for all the stuff in question. If not, find another company. Read the documents well. Go for a stated value. Remember to update the stated value periodically.
If you collect vinyl you may need to have your collection appraised for the rider feature. Keep meticulous records, scan them, burn to a disc and place in your safety deposit box.
It's adviseable to catalog your music collection which may take a lot of time. It's well worth the peace of mind.
I did my research and have my hotrod (3 appraisals) insured for a stated value as well as my vinyl (2 appraisals) and an older guitar (2 appraisals). All the appraisals were from professionals and cost me to have it done.
Take lots of photos. Even with all the above expect your insurance company to try and minimize their losses if anything happens. Be prepared for legal war and you'll win.
Happy listening,
Patrick
Your homeowners insurance agent should be able to do what is called a rider for all the stuff in question. If not, find another company. Read the documents well. Go for a stated value. Remember to update the stated value periodically.
If you collect vinyl you may need to have your collection appraised for the rider feature. Keep meticulous records, scan them, burn to a disc and place in your safety deposit box.
It's adviseable to catalog your music collection which may take a lot of time. It's well worth the peace of mind.
I did my research and have my hotrod (3 appraisals) insured for a stated value as well as my vinyl (2 appraisals) and an older guitar (2 appraisals). All the appraisals were from professionals and cost me to have it done.
Take lots of photos. Even with all the above expect your insurance company to try and minimize their losses if anything happens. Be prepared for legal war and you'll win.
Happy listening,
Patrick