insure your music records cds tapes?

[definitivedoodle]

just wondering if anyone here collects music, concert swag, old skool tapes, cds, records and if so, anyone insure it?

[kosmo vinyl]

i'm pretty sure that such items are covered under standard homeowner/renters insurance policies, just besure to add in  the value of the collection when deciding how much coverage to get. might want to have a list of what items you'll want to replace...

[Sage 703]

Originally posted by kosmo vinyl:
  i'm pretty sure that such items are covered under standard homeowner/renters insurance policies, just besure to add in  the value of the collection when deciding how much coverage to get. might want to have a list of what items you'll want to replace...

You may want to check into this to be sure.  There is some grey area in regard to music when it comes to renters' insurance; I found this out after my car was stolen with some things inside.  Renters insurance covered everything from my apartment that was in the car, except my CDs that I lost.  So I'm not sure what the actual coverage is, but I believe Kosmo is right as long as it is lost in your residence (flood, fire, whatever), as opposed to anywhere else that renters insurance covers.

[vansmack]

When my insurance company asked me what in my home was valued at more than $500 I listed my CD and record collection as a separate item, but valued the collection as a whole.  I then submitted a picture of the collection with pictures of other valuable items to my insrance company.  Therefore, yes, I insure my collection.

[definitivedoodle]

Originally posted by vansmack:
  When my insurance company asked me what in my home was valued at more than $500 I listed my CD and record collection as a separate item, but valued the collection as a whole.  I then submitted a picture of the collection with pictures of other valuable items to my insrance company.  Therefore, yes, I insure my collection.

how do you value it. if you have a frist pressing, or a limited run, do you insure it for the value of what you paid, or a price which would be hire, found on ebay?

[kosmo vinyl]

for items like that you may to list them out seperately, but getting them valued and replaced will be hard... because what someone gets for them on ebay may not indicate an actual value of said product.  not sure if they actual appraise individual items in a collection but rather the collection as a hold.  like art, if it's that rare and expensive to replace the best insurance is to put it in a fireproof safe...