not
New Head-Fier
- Joined
- Sep 21, 2002
- Posts
- 28
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Hi. I just read a post about a head-fi loving guy who's dog ate his headphones and thought I would share a bit of info about insurance.
It wasn't until I was I in my mid-20's that I realized I could get affordable insurance to protect much of my electronic gear. At the time I was buying alaptop, video cameras, etc that I needed for work and I wanted to protect my investment.
The option many people choose is "renters insurance". That typically protects stuff in your house from theft and damage. So if someone breaks in and swipes your laptop you may be covered.
But what if you travel with your gear...like many of you probably do with headphones...well then you might want to check out a thing called a "personal articles policy".
In my experience a personal articles policy is cheaper and covers more kinds of damage/theft but is targeted to just a few things I choose...rather than everything in my apartment as in the case of renters insurance. I realized that I really only have a few things that are worth the money to me to replace. You may feel different if you worry about replacing a whole wardrobe after a fire or something.
Basically I pay $60-80ish a year for a personal articles policy (compared to hundred a year for renters insurance!) to cover several thousands of dollars in gear. In my case it covers, theft, fire, accidental damage...even screens on laptops which warrenties like apple care don't cover.
I once accidently did $500 in damage to my laptop while traveling and the insurance company covered it even though it was just carelessness on my part.
I get mine through State Farm but I think it is a standard but under-advertised kind of policy that is available through any retail insurance company.
I am not a lawyer or a insurance advisor or a financial advisor so do your own research and talk to your own insurance person...but with that said I can't see why it wouldn't work for you folks that buy fancy gear and assemble hi-end portable rigs with hundreds of dollars invested in amps, silver wires and what not.
Cheers.
It wasn't until I was I in my mid-20's that I realized I could get affordable insurance to protect much of my electronic gear. At the time I was buying alaptop, video cameras, etc that I needed for work and I wanted to protect my investment.
The option many people choose is "renters insurance". That typically protects stuff in your house from theft and damage. So if someone breaks in and swipes your laptop you may be covered.
But what if you travel with your gear...like many of you probably do with headphones...well then you might want to check out a thing called a "personal articles policy".
In my experience a personal articles policy is cheaper and covers more kinds of damage/theft but is targeted to just a few things I choose...rather than everything in my apartment as in the case of renters insurance. I realized that I really only have a few things that are worth the money to me to replace. You may feel different if you worry about replacing a whole wardrobe after a fire or something.
Basically I pay $60-80ish a year for a personal articles policy (compared to hundred a year for renters insurance!) to cover several thousands of dollars in gear. In my case it covers, theft, fire, accidental damage...even screens on laptops which warrenties like apple care don't cover.
I once accidently did $500 in damage to my laptop while traveling and the insurance company covered it even though it was just carelessness on my part.
I get mine through State Farm but I think it is a standard but under-advertised kind of policy that is available through any retail insurance company.
I am not a lawyer or a insurance advisor or a financial advisor so do your own research and talk to your own insurance person...but with that said I can't see why it wouldn't work for you folks that buy fancy gear and assemble hi-end portable rigs with hundreds of dollars invested in amps, silver wires and what not.
Cheers.