Insurance for system

@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.

FPL has an insurance for electronics. It costs I believe less than $12 a month in case of lightning damages and such. Last month, we had a power surge that killed my five year old AVP.  They gave me what I paid for it new. I was expecting a replacement value. Needless to say I was very happy. 

@emergingsoul -thanks for the compliment. This system had its beginnings in around 2006 and has evolved over the years. (There were several previous systems going back to 1970).  Having moved to Texas, I am in a larger room and that, along with some changes (cartridge, better turntable isolation and more, bigger subs) made a considerable difference. It is, to paraphrase someone who was here yesterday to listen, "a system to enjoy rather than to analyze the music."  I'm quite happy with it. That rug has been with us in several houses- it is huge, and it not completely unrolled at one end-- it is simply too long for the room. But, I like it, partly because it is old, very fine, though it is somewhat threadbare in spots.

I did have an opportunity to have my 1975 system restored (for some reason I kept most of that gear although many other pieces over the years got traded or sold).  That system resides in our front parlor-- not quite as big or dramatic, but it uses old Quads I bought in 1974 which were restored, along with a pair of Quad II amps from around 1961, a McI MX110z and an SP-10 table that I bought new in 1973. It's surprisingly good for what it is--a somewhat bandwidth limited system with an almost eerie ability to portray the midrange with a "see-through" quality.

I have added all my audio equipment to my scheduled personal items policy in my homeowner's insurance policy (HO5+).  It includes jewelry, furniture, art works and audio equipment.  The reason I added the audio equipment is because I live in Los Angeles and personal property damaged by earthquake are only covered by an earthquake policy, more difficult and limited to collect from (especially with the HUGE deductible due to the overvaluation of replacement building cost at $307,000/10% deductible).  

So, at least I have peace of mind for my audio equipment that not only fire, flood or theft but also damage and earthquake are covered.  I doubt anyone is going to steal my power duplexes or my 700+ lb pair of speakers.  I have very little jewelry and my furniture is quite heavy (antiques as well).  So, it's basically for damage coverage.  

I am fortunate not to have tested my (special collections) scheduled personal items insurance.  This would include someone poking their finger into a speaker driver or bending a cartridge cantilever.  Better it should never happen.

The cost is under $1,500 for almost $300,000 coverage.