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In Reply to: RE: Interesting Insurance Article Concerning HiFi. posted by Don Reid on May 09, 2025 at 07:37:17
and other fires is that people 'owned stuff' and, sometimes, lots of stuff.
Follow Ups:
media coverage, if you have recordings, is often specifically excluded, so that is also an area of concern. I would go to a multi line agent and at least check it out, since farmers is unable to match your needs. farmers didn't come off well in the recent California fires, with the tv news reporting it was slow to pay and getting sued , in contrast to other insurers.
of course with TV news, they never go beyond a headline, and there could easily be mitigating details involved.
HOW ABOUT...
Getting a Permit to Make Sales at Retail, and selling a few old LPs on eBay at very competitive prices(and hand over the Sales Tax, and then declaring that you are in the Used-LP Business (a home-based business), and you want Business Insurance on your Inventory and your equipment.
Your money is green, I assume they will be happy to take it. It doesn't hurt to ask them to quote a price.
The real Risk you present is far smaller than a family of three, where two of them frequently "Drive Buzzed." And the possible Loss the insurance company might have to make good on is far smaller than that of a bad auto wreck with hospital-grade injuries.
Saintjean
(Former Insurance-Company Lawyer!)
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