MadAsAHatter
Well-known member
I was woken up a few hours ago by the power going on an off. I'm thinking there must have been a nice power surge since half the breakers in my house were tripped. Several other homeowners in the neighborhood reported the same thing with tripped breakers. I do have measures in place for protection and nothing appears to be fried.
This got me thinking... It would suck, but if a little $200 got fried from this, not that big of a deal. I can go get a replacement and not hurt the pocketbook much. But now that I've acquired a couple of high dollar amps, if any of those were taken down by a surge or something how would I be able to afford to replace/repair them? I couldn't just shit out a pot of gold and be covered. I'm pretty sure homeowner's insurance won't cover something like this. Or if they did it would be a fraction of the price. I doubt they'd understand the difference between a custom built KSR and some cheapie off the shelf practice amp.
So I'm thinking it may be worth looking in to how to cover my gear in case of a power surge, house fire, natural disaster, etc. Those of you who have some expensive gear, do you have some sort of insurance policy on it for if shit does happen? Is it through a homeowner's policy with doing appraisals on your gear for coverage? Are there an insurance companies that specifically handle music gear? And if so do you have a recommendation?
(As I finish typing this... Why does this feel like a TGP type question as if I'm asking how to insure a vintage Gibson that'll never be taken out the case? )
This got me thinking... It would suck, but if a little $200 got fried from this, not that big of a deal. I can go get a replacement and not hurt the pocketbook much. But now that I've acquired a couple of high dollar amps, if any of those were taken down by a surge or something how would I be able to afford to replace/repair them? I couldn't just shit out a pot of gold and be covered. I'm pretty sure homeowner's insurance won't cover something like this. Or if they did it would be a fraction of the price. I doubt they'd understand the difference between a custom built KSR and some cheapie off the shelf practice amp.
So I'm thinking it may be worth looking in to how to cover my gear in case of a power surge, house fire, natural disaster, etc. Those of you who have some expensive gear, do you have some sort of insurance policy on it for if shit does happen? Is it through a homeowner's policy with doing appraisals on your gear for coverage? Are there an insurance companies that specifically handle music gear? And if so do you have a recommendation?
(As I finish typing this... Why does this feel like a TGP type question as if I'm asking how to insure a vintage Gibson that'll never be taken out the case? )