2. misc-audio
  3. 130985-79202

Insuring your Audio Room?

I was wondering if anyone had some suggestions on insuring an audio room? I'm sure I'm not alone on here if I tell you that I have put a lot of time and money into piecing together a dedicated stereo audio system along with a large collection of Vinyl and CDs. My system is in a dedicated space in the basement of my house.

Any thoughts or experience would be appreciated.
iraschwips
tls49's avatar
tls49
1,351 posts
 

Assuming you mean insurance as in your homeowners policy. A basic policy will have limits for different categories and all electronics will likely be grouped together. If you want to be fully covered, make a list of everything in the room with assigned values. Then take it to your agent and ask for a quote to add this as a rider to your basic policy.

zipost's avatar
zipost
199 posts
 
If you are renting, can this be categorized as renters insurance? 
theo's avatar
theo
2,690 posts
 
tls49 is right. Make a list with serial numbers and msrp values. Take photos and check with your agent to make sure you have "replacement cost" coverage. 
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cleeds
5,970 posts
 
+1 to the advice offered. Most homeowners polices have very low limits on things such as CDs and LPs, so you'll likely need a separate policy for them.
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