I was thinking of this the other day. I'm always worried about my stuff getting stolen but I would worry a lot less if a $500 deductible would replace it all. Now that it's approaching $3,000 in equipment and a ton of my time I realize if it got stolen I would/could never replace it.

Anyone add your audio equipment to your insurance?

 

I've had my system stolen 2 different times... Once from in front of my house and once again while it was at the dealership. Both times it was covered under my regular insurance policy b/c everything was secured to the actual vehicle. I had to pay the $500 deductible the first time but the second time the dealership reimbursed me for it. After the last incident my insurance agent recommended me getting extra insurance for my stereo (I believe it's called a rider), but I didn't and have no plans to.

 

That's good to know. I assumed it wasn't covered but maybe I need to check my policy. Did you have to show receipts?

 

I showed boxes, pictures and receipts. What I found strange was they replaced all my stuff based on MSRP and not what was on the receipts. Some off the stuff was purchased with employee discount but they reimbursed me the full amounts. However they didn't cover labor (moot point if your a DIY guy) and warranties.

 

Thank you. I'm going to take pictures of everything today. I don't have receipts but pics would be better than nothing I guess. I'm a DIY guy so if they replaced everything it wouldn't hurt as bad to spend the time re-installing everything.

 

to ensure its insured:

get the serial numbers on each piece- take pics of those and front of item, mark items if possible,,,invisable UV ink or metal etch last 4 of your social security #
put on CD
Make printouts of current store ads or manufactures website page with prices.
Take all that to your agent and have them added as additional equipment.
Its a few bucks for everything, and you can lower the deductable on different parts of the car
example- glass deduct 500 is a waste as the glass is 350..you pay and get nothing~
reduce that to 100, and go zero or 100 on the stereo

Probably get a discount for extra alarm or other deterrant

If you take equipment from the house to the track- tools etc. those are covered as part of homeowners policy because they are normally at/inside the house

Add any of that special stuff at the house to that policy,,document the same way