Insurance question

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!

Replacement cost is very important and the only coverage I will sell but there is a specific limit for electronics damaged by power surge of $1,000. That is why my equipment gets powered down and unplugged during bad storms like tonight in Michigan. Larry, I would ask my agent. It isn't something that comes up often but it is in the policy wording with my company. As long as it is a covered peril and you have the proper coverage for your personal property you should be fine. The power surge is just what I would refer to as a gray area. Jsawhitlock is giving solid advice on having documentation outside of your home in case of a fire or a burglar steals the safe you have them in.