How Much ? !

[basshound]

I`ve just done a quick check on how much it would cost to replace my kit with new like for like and it comes to a rather eye watering sum of around £9000 :O .My home insurance is up for renewal next month and I`m now wondering if I should have special cover for the hi-fi.

If disaster struck and the hi-fi was destroyed do you think the insurance company would class it as one item or would it be viewed as seperate items,i.e. amp,speakers, dac etc.?

 

[relocated]

Have a look at John Lewis home insurance. They have a much more realistic view on the value of valuables in modern homes. They are not dirt cheap bu the level of cover is excellent.

 

[basshound]

Had a look and seems very good,didn`t even know JL did insurance,thanks for the info

 

[JamesMellor]

home insurance will cover single items upto 1500 pounds as standard these days , but you did to name them if they are over that

 

[jonathanRD]

My Royal & Sun Alliance policy allows me to specify values for other groups of items other than general 'contents'. So I have my 'Technology & Entertainment Items' as a separate group.
If you start adding up TV's, hifi, HC, computers etc, the total value can come as a bit of a surprise.

 

[MakkaPakka]

They would be viewed as separate items. They have a separate box, receipt, name etc. It's irrelevant how you use them.

Check your policy and see whether hi-fi equipment is under contents or valuables. Also check your single article limit.

If in doubt phone the insurance company to ask.