Equipment insurance coverage

Yes audio electronics is excluded in the fine print on my policy tried to add a rider to it no go. I’ve even shopped other Homeowner policies without luck. Spoke with multiple agents, went online, looking around Haven’t found someone that will write it yet. A real head scratcher. Will continue the hunt. 

Dunno I have a rider for photo equipment, why would electronics be any different.

I recommend everyone read the fine print of your polices, to be sure you're covered! I think some will find out your system is excluded!! so be careful. I finally checked my policy and Im in disbelief. And better to know now as I want my gear covered in any event. I just wanted to share this thank you.

Michael.

I have State Farm. Personal property is covered to an agregate of the home value. I have scheduled audio equipment, valuable watches & jewelry, art, etc. You just arent asking the right people.

I also have State Farm. It does cover audio. I shopped around years ago and most of them had like $2500 limits on audio. I have heavy documentation, receipts, and photos (including serial numbers). The more documentation you have, the better.