I'm currently looking into insuring the contents of my apartment, which includes a large collection of rare vinyl and CDs. Maybee 2500-3000 items, a lot of them quite valuable.
Being the naive soul that I am I thought that I would insure the contents for ?40,000, ?30,000 of which would cover music and music equipment. Obviously $30,000 would not be able to get me back all my Coil special editions or rare Aphex Twin stuff, but it would be a start.
Anyway, I've been told that as music items and equipment are all high risk, I would have to insure it for a lot more, without seeing the benefits should anything happen. I was also told that if I tried to claim that amount of money for a bunch of CDs and records, the chances of me getting it would be slim to none. As far as the insurance company would be concerned they might give me ?10 for each record and CD, probably minus depreciation. So I would have to prove that they were worth what I said they were.
But how can you prove how much your copy of the MTPITD Trauma Edition was worth, or how much your copy of MASK100 was worth? I know that insurance companies don't just hand over the cash just like that, but I'm beginning to think that I won't be able to insure them at all.
I'm sure there are plenty of Coil collectors and electronic music collectors on these lists that have a lot of records in their collections, and a lot of valuable ones at that. Have you got these records insured for their true worth? And how did you go about it?
Any helpful information here would be greatly appreciated.
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