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Thread: Insurance

  1. #1
    Join Date
    Apr 2010
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    Grand Rapids, Mi
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    Default Insurance

    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
    leading in trailing technology

  2. #2
    Join Date
    Jun 2007
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    Phoenix AZ
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    " 15 characters"
    Last edited by Laser Wizardry; 11-13-2015 at 11:44.

  3. #3
    Join Date
    Feb 2008
    Location
    East Sussex, England
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    Default

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

  4. #4
    mixedgas's Avatar
    mixedgas is online now Creaky Old Award Winning Bastard Technologist
    Infinitus Excellentia Ion Laser Dominatus
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    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

  5. #5
    Join Date
    Apr 2010
    Location
    Seattle
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    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.
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