Insurance for system


I have been trying to get theft coverage for my system without success. Between the electronics, cables and add ons I probably have around $100K invested in it. My broker suggested that she might be able to get coverage for some of the gear but not all of it. I know that there are specialty carriers for collectible cars but is anyone aware of insurers who specialize in coverage for what most carriers would consider luxury goods?

128x128lwin

I read somewhere -- maybe here at the 'gon, maybe elsewhere, about a person making purchases, and wanting the listing/receipt to *not* include the word, "vintage". This want was out of concern that an insurance claim might be denied, on the grounds that, "... your policy specifically excludes "heirloom", "vintage" and "antique" items."

It seems that the advices and thoughts offered here would avoid that particular pitfall by specific receipts and photographs having been provided to the insurer at the time of policy creation.

Great posts here.

Go to a different company I have progressive ,you just have to upgrade your coverages .

…..very good point on noting that you own vintage equipment as that is a whole different animal and coverage as well as the company that insures such items.

 

I insure my collection in a separate policy my primary insurance broker shops for me. Every couple years we move around, but obtaining insurance has not been a problem. It is a policy similar to what would be used to cover fine art. 

@whart 

I'm in love with your room and system it's awesome. So many records. the length of the rug so perfect for the room. Such pretty speakers.

But it sounds really lovely there.