I am an ex insurance claims guy, and I suggest you change your company to one of the majors. There should be no limit on LP's etc in normal policies, only the overall limit on personal property. Claims on such items would be based on their replacement cost - if in fact you do replace them. Herman's comment above is correct. You do need good records so you can help any adjuster document your items - photos, lists, etc are good.
Separate Insurance Policy - LP's, Memorabilia, Etc
Afternoon All,
I was recently informed by my homeowners insurance company that not a single LP, poster, etc. I own is covered under personal property replacement.
They suggested Lloyd's Of London, which is a little ridiculous, since I'm not a store or franchise.
Can anyone out there make a recommendation for a place that's reasonable? I don't have a gigantic collection, but I certainly have enough where I need this stuff covered in case something happens.
Any help is greatly appreciated!
I was recently informed by my homeowners insurance company that not a single LP, poster, etc. I own is covered under personal property replacement.
They suggested Lloyd's Of London, which is a little ridiculous, since I'm not a store or franchise.
Can anyone out there make a recommendation for a place that's reasonable? I don't have a gigantic collection, but I certainly have enough where I need this stuff covered in case something happens.
Any help is greatly appreciated!