30 Years, 5 Cities, Many Storms - Not One Failure

I am not trying to convince anyone to "live dangerously".

I am hoping someone will provide me with sufficient justification to add more expensive gear to my audio collection.

But as you can see from my experience, this has not yet been easy to do.

Thank you,

Andredoan

Ha - well spotted! This is actually a very recent development mainly for the new PC system.

I thought I would give those a try but mainly because they were
a) < $200 and b) convenient with cool lights

But I have never used them for my Levinson amp or ARC preamp, which remain plugged naked and direct into the wall.

Herman

No, I don't work in the insurance industry, but I work in the investment industry and have at least a bit of statistical analysis in my background.

Yes, you cite several dim witted examples which I will try not to take personally as an insult to my thinking.

From an investment perspective we like to describe risk as positively or negatively convex, where I might agree that not having a surge suppressor is a negatively convex risk, provided one is not spending the mega bucks on surge suppressors from say, Transparent, which is one of the brands that inspired this thread.

So easy enough to understand that just because it hasn't happened to me, doesn't mean it wont happen to me or that I should drive around with no seatbelt.

But to be honest, until this thread I had never heard of anyone losing a component, while more and more manufacturers seem to be jumping on the bandwagon with high margin products.

So what I was driving at really, was the amount of snake oil and fear mongering that goes into the marketing of these devices.

I do wear a seatbelt and I dont smoke. But I drive a motorcycle(with helmet and protective gear while sober always), drink red wine and I particularly love cheese and red meat.

Thanks for the advice as I try to find a similarly appropriate place on the risk/return spectrum with surge suppressors.

Thank you

The insurance industry has no shortage of scummy underwriters, who will gladly cash your premiums for years, but in the event of a claim, do whatever they can to pay you nothing, or in their worst case, a deeply depreciated so called fair market value.

Good insurers - not necessarily easy to find - will gladly underwrite things at full replacement value, in the same way that a full service auto policy will have less of a deductible than a lesser or more dubious policy.

I have had great experiences with USAA which unfortunately is not available to everyone. But any good insurance company should - at least - allow you to request full replacement value, even if they raise your premiums accordingly.