Anyone have their system insured?

My system is insured, I wouldn't even imagine of not having it insured. Its fairly cheap and no matter what happens I am covered and theres no price that can be put on that feeling of security. I have a real good relationship with my agent so we went with a company he trusted the most. Most folks I know are VERY happy with CHUBB for this sort of thing, fair premiums and excellent service/coverage.

I agree with Tireguy. Chubb does a very good job with esoteric assets and collections of all types. You can itemize your system, photograph it and value it at replacement and if you are unlucky, they are very good at replacement. The more it is worth, the cheaper the investment in insurance.

Thanks for the post - I never even thought about a separate insurance policy. Well, that can certainly pay for those Audiogon annual fees ;-)

yes - and definitely photodocument the rig well - it will help if you ever need to file a claim...

First, take pictures of your entire system including close-ups of serial numbers. This is for theft.

That insurance does include contents is true, but only as a percentage of the total replacement policy on your house. If you live in an area where homes are very expensive then you will have over $100,000.00 on contents. If you live in an area where your house is worth, and is insured for about $120,000.00 then you might not have as much as $30,000.00 contents coverage.

The best thing to do is try to figure out what your belongings would cost to replace, add 25% and then call your agent.

On the part about flooding, be a bit careful here. Some policies might not cover that at all. Note there are differances between water damage. Surface water, water coming back through your sewar, rain damage due to an unmaintained roof, and water coming from a busted pipe.