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headphone insurance

post #1 of 10
12/17/09 at 1:00pm
Thread Starter 
I will be taking my JH13's on the go with me when they arrive, commuting purposes etc.
I lost one of the custom sleeves to my SE530's because I was careless, and of course I will baby the JH13's far more, I don't want to risk carrying them on my daily commute without insurance.
Has anyone taken out insurance on their phones before?
now...I'm thinking this would probably be covered under contents insurance with items away from the home possibly? can two policies of contents insurance be taken out by different people for one property? since I wouldn't be able to add the 13's to the existing policy on the property (not mine)
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post #2 of 10
12/17/09 at 1:07pm
I don't know much about your insurance companies across the pond but here they would almost certainly be covered under your house contents.
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post #3 of 10
12/17/09 at 2:35pm
Yeah, I would expect them to be covered by the household and/or travel insurance.
At least both of mine does up here...
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post #4 of 10
12/17/09 at 2:53pm
In my experiences with my audio equipment, being insured under home-owners or if you rent you should ask for AN "ACTUAL REPLACMENT VALUE" policy! I've never found a Ins. company who will let you buy a "RIDER" policy to cover Audio Equipment.....The Actual Replacment Value policy means That you MUST replace "whatever" with the same "whatever".....If you had Sen. HD-650s you will not be able to "replace" them with Sen. HD-800s even if you found them cheaper!! It's a crock of s--t....But it's the only way to cover your audio equipment! I've had this coverage for 30+ yrs. and sadly had to use it once and it was still a huge hassle recovering the $$$value of my Equipment!! Anybody have a better policy let me/us know,please...thanks
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post #5 of 10
12/17/09 at 2:58pm
Normally you have to list any high value items separately, you need to check the policy to find out the value,

I had to list my watch separate and it cost me a few extra quid a year, but every policy is different.
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post #6 of 10
12/17/09 at 4:08pm
Just a added note to my reply above/ Please take good pictures of all of your components! Include with your photos a receipt or copy.......Keep all of this information in file that's in a place of safe keeping!!!! Now something you may have forgotten about, Your prized LPs or CDs... We all know that many are worth Big Bucks, right! I have listed Titles with values of almost all of my 1000+ LP collection on a hard disc and printed copy of, said list!!!! keep it updated..... Many will think this is crazy, but if you have to go about dealing with a theft or fire this documentation will be priceless, in replacing your "HI-FI STUFF"!!enough said!!
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post #7 of 10
12/17/09 at 4:33pm
You Are RIGHT, OMEGAMAN about your watch......BUT, That's jewelry!!! It's covered under "RIDERS" policy... Try asking your Ins.company to list your Heilcon and you Clear-audio Signature cartridges, You'll most likely hear "SAY WHAT" and "HOW MUCH DID THEY COST"?????Remember, non-audiophiles/head "philes" can not believe how much money we all have invested in our equipment......right
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post #8 of 10
12/17/09 at 4:41pm
A standard homeowners policy in the USA (form 4-renters, form 6-condo or form 3-house) will cover your audio gear as part of the personal property coverage. Most companies will not have a means to schedule it separately, like you might do with jewelry or musical instruments. Any loss is subject to your deductible. You must choose to have replacement cost coverage for personal property.

Further, most policies will not cover open perils, meaning that named perils only are covered. So what the heck is that. Named perils in the policy are items such as fire, wind, theft, falling objects & etc which are specifically named as coverage. Open perils would include accidental breakage, mysterious disappearance, & etc. Open perils woould be the type of coverage you would have if you were able to schedule the equipment. You may be able to add coverage for open perils for a charge of 15-50% of the base homeowners premium before discounts apply. There are a few (very few) companies that still have the ability to schedule audio equipment separately, with a typical charge of $30 of annual premium for $1000 of coverage.

The foregoing may be different in the state in which you reside and is not intended as a comprehensive primer on personal property coverage, rather a general guideline that is applicable to most of us.
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post #9 of 10
12/17/09 at 4:52pm
Quote:
Originally Posted by 9pintube View Post
In my experiences with my audio equipment, being insured under home-owners or if you rent you should ask for AN "ACTUAL REPLACMENT VALUE" policy! I've never found a Ins. company who will let you buy a "RIDER" policy to cover Audio Equipment.....The Actual Replacment Value policy means That you MUST replace "whatever" with the same "whatever".....If you had Sen. HD-650s you will not be able to "replace" them with Sen. HD-800s even if you found them cheaper!! It's a crock of s--t....But it's the only way to cover your audio equipment! I've had this coverage for 30+ yrs. and sadly had to use it once and it was still a huge hassle recovering the $$$value of my Equipment!! Anybody have a better policy let me/us know,please...thanks
We had the same thing and i agree its the best for getting money for your items but its a huge hassle. We lost our house to a tornado in 1999 and it took us probably all summer to get stuff straightened out before we got all our money. And we lost alot because they would only cover up to so much worth.
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post #10 of 10
12/17/09 at 5:03pm
I FEEL YOUR PAIN!!! GET ZOL, Really, Hope things are getting back to normal for YOU!
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