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Insurance Evaluation Advice
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<blockquote data-quote="Juventino" data-source="post: 902387" data-attributes="member: 15382"><p>I would make sure you insure everything possible as the post by Trompie is very realistic and the insurance will hold you to the value you insure.</p><p></p><p>I had a Lexicon MC8 that was struck by lightening when they realised the replacement value of the unit and what i was insured for in total they sent through an assessor and I was under insured by 35% so when it came to paying out for the Lexicon i was paid out 35% less.</p><p>When it comes to older gear make sure you do research and value goods according to what you would replace items with today.</p><p></p><p>I have an excel inventory and update it every year and on all the electronic i generally spend one morning on the net to check the replacement value. Also going through the rooms to make sure i havent added or sold items.</p><p></p><p>People also forget to insure the goods in the garage or storerooms a lot of the time and clothes/shoes, you will be surprised the replacement value of those items.</p></blockquote><p></p>
[QUOTE="Juventino, post: 902387, member: 15382"] I would make sure you insure everything possible as the post by Trompie is very realistic and the insurance will hold you to the value you insure. I had a Lexicon MC8 that was struck by lightening when they realised the replacement value of the unit and what i was insured for in total they sent through an assessor and I was under insured by 35% so when it came to paying out for the Lexicon i was paid out 35% less. When it comes to older gear make sure you do research and value goods according to what you would replace items with today. I have an excel inventory and update it every year and on all the electronic i generally spend one morning on the net to check the replacement value. Also going through the rooms to make sure i havent added or sold items. People also forget to insure the goods in the garage or storerooms a lot of the time and clothes/shoes, you will be surprised the replacement value of those items. [/QUOTE]
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