Insurance

[polishedball]

Wondering what the hobbyists do to insure there laser equipment at home against theft or fire. I have quickly sunk a lot of money into this hobby and would hate to lose it. Also do you have to fear an insurance premium increase if you operate a laser in your home?

Thanks

John

[Laser Wizardry]

" 15 characters"

[norty303]

Lasers, alongside PA and lighting gear are considered 'professional' equipment, and would be unlikely to be covered by a regular homeowners policy.

[mixedgas]

Get a special rider on the home policy for the laser gear or some sort of home theatre policy. Reasoning: We made a claim once after a lightning strike, under a home owners policy. They offered me less then half the value on the computer and the main office disallowed the x-29 card, on the grounds that a x29 card was not needed for the computer to function in a home. That was in the 90s.



Steve

[Mattatya]

I use Farmers Insurance to insure my equipment DJ and LJ. I purchased renters insurance which covers break ins and theft. It also covers theft in Canada. If its ever stolen at a gig I was volunteering my time and in no way did I make money at the event .

I was also able to a little extra renters insurance to cover large loses up to 60,000 if I had a theft volunteering.

It cost roughly $12 a month.

I have to say I suggest everyone have renters insurance if you rent.

I manage apartments and suggest it to all new tenants. My unit had a fault stove that lit up a pan of oil and caused $18,000 worth of smoke and fire damage. $12 bucks a month covered every penny and I am so grateful to have it.

Check on policy details thoroughly though as they are very different from company to company. Farmers seemed to have the clearest definitions.