Insuring Your Vinyl Collection and Equipment

fuzztone, I've tightened a LOT of catalytic converter bolts.. Robbers foiled in the midst of their capers.. Alarms going off and them booging.

Who would have thunk?  Steal your fancy muffler.. the new regens are 15K.. YUP.. for a burner.. AND then you got to clean the stupid thing..
Big ol 15K ashtray, believe it or not.

Why insure your vinyl collection?
It has taken me nearly 60 years to build mine and I don't have another 60 years to rebuild it.
What use is money to replace art?

Why insure your vinyl collection?
It has taken me nearly 60 years to build mine and I don't have another 60 years to rebuild it.
What use is money to replace art?

Why would I want the insurance company to give me $35,000 to replace all my records?  Huh.  Good question.  The answer to the question doesn't have much to do with whether I would actually replace them all or not, because I couldn't.

Thanks for bringing this up.  I sent our insurance company a spreadsheet of all my equipment, the model and serial numbers and the "replacement cost", so they would have it in their records.  The strange thing with that was that our agent didn't think they'd cover my wiring (interconnects and speaker wires), she was stunned to see how much those cost.

My system has all digital sources.  Over the years I've recorded all my purchased music (CDs and downloads) onto an external hard drive.  That drive gets regularly backed up to two different cloud accounts (Google and Carbonite) and copied to an identical external hard drive, which lives in our fire safe.  I can't imagine how long it would take to rebuild the library on that drive, hence my "over the top" backup strategy.

On a home owners policy if you want coverage above and beyond you have to add scheduled coverage. This is a rider that you would list your album’s on and pay an additional premium for the coverage. Your equipment is going to be covered under the standard furnishing within dwelling schedule. Insurance companies will insure almost anything if you want to pay for it. Just be aware that multiple petty claims will lead to your coverage being dropped. Think of your home owners policy as Catastrophic coverage only.