Since many of us spend a good deal of money on our hobby, how might we insure our investment against fire and theft? Is homeowner's insurance sufficient or do some of you have special policies?
My home owners policy has an explicit full replacement costs clause and it is large enough to cover the home and gear. I have a rider with a specific inventory which includes my gear.
I don't pay a significant amount more per $1000 for my named rider. But for unusual stuff it easier to process a claim for exotic equipment that a claims adjuster might never of heard of or doubt that you owned (what if your receipts burned with your house). These types of riders are very common for antiques, jewelry and collectibles.
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