Insurance???

HBombToo
HBombToo Posts: 5,256
edited February 2024 in Clubhouse Archives
My address is changing. How should I insure myself? Electronics and speakers,,, what is a fair replacement value under WAREMTAE

Twin:D
***WAREMTAE***
Post edited by RyanC_Masimo on
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  • brettw22
    brettw22 Posts: 7,623
    edited August 2003
    I'd take the Retail prices of each component and add them up. If you're going with something like Renters or Homeowners policies, they should give you full replacement value for a new item, not what they can find them for used.........in a yard sale.
    comment comment comment comment. bitchy.
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  • RuSsMaN
    RuSsMaN Posts: 17,986
    edited August 2003
    The biggest thing my dearest Henry, is *proof* that you owned what you insured. To throw out a number, lets say $100,000 worth of furniture, clothes, electonics...doesn't mean if your house burns down that you automatically GET 100 grand.

    They make healthy allowances on clothes, cookware, regular items, but make a videotape, or snap digital pictures of anything else that holds value, then store it off-site, at a neighbor's house, your work, etc.

    I have owners manual, pictures AND video of just about everything I own, stored my mom's humble abode.

    Cheers,
    Russ
    Check your lips at the door woman. Shake your hips like battleships. Yeah, all the white girls trip when I sing at Sunday service.
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  • wlrandall
    wlrandall Posts: 440
    edited August 2003
    Do as Russ said, but put it in a lockbox at the bank...Mom's house can burn just as easy as yours.
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  • dorokusai
    dorokusai Posts: 25,577
    edited August 2003
    I echo Russ's comments, get pictures!
    CTC BBQ Amplifier, Sonic Frontiers Line3 Pre-Amplifier and Wadia 581 SACD player. Speakers? Always changing but for now, Mission Argonauts I picked up for $50 bucks, mint.
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  • Frank Z
    Frank Z Posts: 5,860
    edited August 2003
    My sister in law tried to con the insurance company when his house mysteriously caught fire. He tried to con the insurance company to get a bunch of money from them, needless to say it didn't work. Pictures are worth a thousand words, and maybe even a few thousand dollars!
    9/11 - WE WILL NEVER FORGET!! (<---<<click)
    2005-06 Club Polk Football Pool Champion!! :D
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  • VR3
    VR3 Posts: 28,782
    edited August 2003
    As bright as you guys are about Audio....you definetely are NOT internet smart....

    TAKE PICTURES...

    SCAN THEM....

    UPLOAD THEM SOMEWHERE ON THE NET...

    O.K - Thats done...lol
    - Not Tom ::::::: Any system can play Diana Krall. Only the best can play Limp Bizkit.
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  • GZ
    GZ Posts: 343
    edited August 2003
    Another supporter of Russ's comments.
    We go through the whole house and videotape everything every year, things change. I mean everything - closets, dresser drawers, even the garage. Do you know that you've probably got $100 worth of stuff in the kitchen gadget drawer? I even went to the trouble of videoing the serial numbers of all my electronics. It's something you hope the hell you never have to use, but you've got it just in case. Oh yeah, and if you can, scan the reciepts of your electronics, burn them on a CD and keep it in the bank safe deposit box along with your video tape and pics.
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