Insurance question

Be sure to find out about coverage for power surge. I am in the business and know for a fact that coverage for electronics damaged due to power surge is $1,000 per item maximum. That could pose a serious problem for some audiophiles. The documentation is a good point and I always mention it to my clients. Photos, video, and receipts are all helpful if you have a loss.

take pictures have Reciepts and your good to go.

I just switched insurance carriers. Aside from better rates, one of the reasons for my decision to switch was a very reasonable "all-risk" rider for my audio electronics.

For the same covereage, my previous carrier was 3-4X more costly.

Review your equipment values and current coverage w/your agent...defiitely shop around!

Nick, is that the standard HO3 policy you are describing? I have replacement cost on building and contents but was unaware of any per item dollar limits...I'd take a huge loss if this is the case with my coverage.
thanks,
Larry

All great info as mentioned above but don't keep your pictures and other documentation regarding your stereo system at home. Make copies of all your pictures and reciepts and give a set to your insurance person and keep a set in a safe place as a safe deposit box. Wouldn't want a fire or thiefs destroying the paper trail!