Re: (313) record insurance (OT)
I know that the records in my house are covered in our insurance, but not all of our records. When I originally got my insurance, I had to estimate how many records we owned. Our insurance will only cover so many "vinyl records", these are considered collectables and for any additional coverage we pay for an extra floating policy. I have one on my wedding ring, records,computers, and the studio equiptment. I would really recommend anyone who has thousands of records looking into this. We also have a business floater on the record store that sits in the basement for the other excess records. Originally, insurance would only cover up to $2500 on all your collectables. Collectables could be stamp and coin collections,framed art, furs, sculptures, vinyl records, record players, golf clubs, ect. To be honest my insurance agent had no idea people collected so many records! Just be sure to review you policies.. and yes get pictures! ~E Joking aside, a household contents insurance policy should cover it. You would need to be aware of whether they classify a collection of items as a 'single article' because your single article limit will probably be less than the sum total of your records. The other thing to do is take photographic evidence of your collection which you can present in the case of the claim.
Re: (313) record insurance (OT)
about 30 years ago a large portion of my dad's record collection was stolen..it included many super rare old 78's worth several thousand dollars these days...every once in awhile he'll spot some of them being sold now (they're identifiable due to having unique chips, or labels, or being 1 of only a few known in existance, whatever)...pretty frustrating and crazy when you spot your own precious stolen records being sold..hey that's mine! nothing you can do..except get more.. From: [EMAIL PROTECTED] Reply-To: [EMAIL PROTECTED] To: Chris Anglesey <[EMAIL PROTECTED]> CC: robin <[EMAIL PROTECTED]>, 313@hyperreal.org Subject: Re: (313) record insurance (OT) Date: Thu, 01 Jul 2004 12:32:20 -0500 one of my best friend's record collection was involved in a fire while he was out of the country recently. he had them stored at a high school friend's place, which was almost completely gutted by fire. we spent several days retrieving and sorting thru 9 postal crates full of smoke-damaged record sleeves -- but somewhat miraculously, almost all of the records still play just fine. a few are a bit warped, and I bet his current set of needles won't last long, but mainly just sleeve damage and the wondrous scent of campfire and burnt plastic. - jobot - Original Message - From: Chris Anglesey <[EMAIL PROTECTED]> Date: Thursday, July 1, 2004 11:44 am Subject: Re: (313) record insurance (OT) > > Yes Robin, you're right about DC losing a large portion of his > tunes in a > fire. > Think this happened about 5 years ago. Apparently he didn't lose > all of them > & many of the records he owned which used to belong to Ron Hardy were > safe. I pray something like this never happens to me. I got half > of my > collection > stolen once and that was bad enough :( > > > Subject: Re: (313) record insurance (OT) > > > > > > > Speaking of, it seems like I heard Derrick Carter lost his > house/record> > collection to a fire a few years back. Anyone know > about this or am I > > > dreaming this up? > > > > > > > might have been derrick as well but i remember Maurice Fulton losing > > his whole collection a coupla years back. > > > > also happened to charlie hall (drum club/projex) a few years > back too. > > > > i shudder to think how i'd feel if this happened to me > > > > robin... > > > > > > > _ Get fast, reliable Internet access with MSN 9 Dial-up now 3 months FREE! http://join.msn.click-url.com/go/onm00200361ave/direct/01/
Re: (313) record insurance (OT)
one of my best friend's record collection was involved in a fire while he was out of the country recently. he had them stored at a high school friend's place, which was almost completely gutted by fire. we spent several days retrieving and sorting thru 9 postal crates full of smoke-damaged record sleeves -- but somewhat miraculously, almost all of the records still play just fine. a few are a bit warped, and I bet his current set of needles won't last long, but mainly just sleeve damage and the wondrous scent of campfire and burnt plastic. - jobot - Original Message - From: Chris Anglesey <[EMAIL PROTECTED]> Date: Thursday, July 1, 2004 11:44 am Subject: Re: (313) record insurance (OT) > > Yes Robin, you're right about DC losing a large portion of his > tunes in a > fire. > Think this happened about 5 years ago. Apparently he didn't lose > all of them > & many of the records he owned which used to belong to Ron Hardy were > safe. I pray something like this never happens to me. I got half > of my > collection > stolen once and that was bad enough :( > > > Subject: Re: (313) record insurance (OT) > > > > > > > Speaking of, it seems like I heard Derrick Carter lost his > house/record> > collection to a fire a few years back. Anyone know > about this or am I > > > dreaming this up? > > > > > > > might have been derrick as well but i remember Maurice Fulton losing > > his whole collection a coupla years back. > > > > also happened to charlie hall (drum club/projex) a few years > back too. > > > > i shudder to think how i'd feel if this happened to me > > > > robin... > > > > > > >
Re: (313) record insurance (OT)
I believe if you get renter's insurance you can declare your records as a valuable, in which case they would be covered if stolen... which reminds me, I need to get renter's insurance. No idea if you're a homeowner, and things are probably different in the UK anyways. - jobot - Original Message - From: [EMAIL PROTECTED] Date: Thursday, July 1, 2004 9:13 am Subject: (313) record insurance (OT) > Hi > > Do people insure their records? > > If so, where? and does it cost alot? > > My new house is wayyy too easy to break into for my liking, and I > just know > one day I'm gonna catch some 12 yr old dangling half way outside > my spare > room window with a load of records under his arm. (Probably before > I get a > chance to insure them). > > and, to be honest, they're about the only thing I own that is worth > anything. > > That was a plus of living on the 11th floor. If some spiderman > type could > climb 11 floors to get into my flat, he'd have been welcome to my > chit. > any ideas? > > sorry to be OT, I have no idea of who to ask though. > > Thanks > > Alex > _ > > - End of message text > > This e-mail is sent by the above named in their > individual, non-business capacity and is not on > behalf of PricewaterhouseCoopers. > > PricewaterhouseCoopers may monitor outgoing and incoming > e-mails and other telecommunications on its e-mail and > telecommunications systems. By replying to this e-mail you > give your consent to such monitoring > > > >
Re: (313) record insurance (OT)
Yes Robin, you're right about DC losing a large portion of his tunes in a fire. Think this happened about 5 years ago. Apparently he didn't lose all of them & many of the records he owned which used to belong to Ron Hardy were safe. I pray something like this never happens to me. I got half of my collection stolen once and that was bad enough :( Subject: Re: (313) record insurance (OT) > > > > Speaking of, it seems like I heard Derrick Carter lost his house/record > > collection to a fire a few years back. Anyone know about this or am I > > dreaming this up? > > > > might have been derrick as well but i remember Maurice Fulton losing > his whole collection a coupla years back. > > also happened to charlie hall (drum club/projex) a few years back too. > > i shudder to think how i'd feel if this happened to me > > robin... > >
Re: (313) record insurance (OT)
Hang on a minute Alex...Household insurance often doesn't cover your records, you need to call them and ask because I know someone who thought this but didn't get the value of his collection, what he got was the cost to replace them at face value - so instead of £40 for one collectors copy of Rob Hood, he actually got £7.99...You need to check this. I have to catalogue mine every month and send it to the insurance company, who then charge me about 2% of the total value - so if they go up in a puff of smoke I get the full value of my collection... Martin 1/7/04 2:34 PM [EMAIL PROTECTED]@uk.pwc.com > > thanks all, it's much appreciated. > I'm pretty clueless (and irresponsible I guess) about these sort of things. > > ha ha, now I'll ask Rebecca to sort it out. > > ho ho ho. > _ > > - End of message text > > This e-mail is sent by the above named in their > individual, non-business capacity and is not on > behalf of PricewaterhouseCoopers. > > PricewaterhouseCoopers may monitor outgoing and incoming > e-mails and other telecommunications on its e-mail and > telecommunications systems. By replying to this e-mail you > give your consent to such monitoring > > > >
Re: RE: (313) record insurance (OT)
yeah, mine are handled under my renter's insurance and I didn't itemize anything. if you do itemize, the insurance cost can increase. pictures are important because they can at least prove an estimate of how many pieces you own. then you could estimate an average 'per piece' replacement cost. some people say to include a daily newspaper somewhere in the photos, "proving" the date that the pic was taken. lisa - Original Message - From: "[EMAIL PROTECTED]" <[EMAIL PROTECTED]> Date: Thursday, July 1, 2004 10:39 am Subject: RE: (313) record insurance (OT) > Alex > > Mine are covered under my contents insurance. Just so I'm sure > about this I > send a letter to whoever my insurer is at the time specifying the > contentsof my flat including £30K of records. The insurers > usually say they're only > interested in large individual value items being specified but I > guess it > makes me feel there's less room for argument after if I've put it > in writing > to them what they are supposed to be insuring. > > Francis > > >
Re: (313) record insurance (OT)
I have mine covered in my home insurance but I told them that I had £x worth of CD's and £x worth of records and asked them to note that with the sidenote that that number will rise as the year goes on ;-) As long as no single record goes over my single item limit £500+ must be declared separately and listed then its OK. Cheers BT --- robin <[EMAIL PROTECTED]> wrote: > > yeah i'm the same...covered in the amount i insure > in contents. it's > fire and flood that i worry about not someone > gathering boxes together > and lugging vinyl down the street. > > take pics of all the vinyl in it's racks tho as the > insurance jokers > won't believe you when you say you had 5000 bits of > vinyl > > be interesting to see if anyone has them more > specifically insured, and > whether this requires having a list of all your > records. > > robin... > > > On 1 Jul 2004, at 15:18, Toby Frith wrote: > > > I would have thought that they were covered under > house insurance. > > Mine are. > > > > To be honest though, unless the burglar knew a)you > had a load of > > records and b) knew about records themselves it's > unlikely that they'd > > steal them because they're bulky and heavy. It's > much more likely that > > they'll just nick your electrical equipment. > > > >
Re: (313) record insurance (OT)
Speaking of, it seems like I heard Derrick Carter lost his house/record collection to a fire a few years back. Anyone know about this or am I dreaming this up? might have been derrick as well but i remember Maurice Fulton losing his whole collection a coupla years back. also happened to charlie hall (drum club/projex) a few years back too. i shudder to think how i'd feel if this happened to me robin...
RE: (313) record insurance (OT)
Alex Mine are covered under my contents insurance. Just so I'm sure about this I send a letter to whoever my insurer is at the time specifying the contents of my flat including £30K of records. The insurers usually say they're only interested in large individual value items being specified but I guess it makes me feel there's less room for argument after if I've put it in writing to them what they are supposed to be insuring. Francis
RE: (313) record insurance (OT)
I insure mine through HSBC (yes, the bank). It's part of my house insurance which allows me to claim up to £50,000 worth of contents. I explained to them that if I sold them each (or had to buy them again) then it would cost me about £15,000. They asked if any one of them was worth more than £1000.00 on it's own. When I said no, they were happy to cover them for £15000 total on my opinion alone. The cost on this policy was £189.00/year. However, Placid on this list... asked for a quote with a different post code and it was about £700.00/year So I guess you'll have to give them a call to find out how much it would cost where you live! Hope this helps, Rob. -Original Message- From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] Sent: 01 July 2004 15:13 To: 313@hyperreal.org Subject:(313) record insurance (OT) Hi Do people insure their records? If so, where? and does it cost alot? My new house is wayyy too easy to break into for my liking, and I just know one day I'm gonna catch some 12 yr old dangling half way outside my spare room window with a load of records under his arm. (Probably before I get a chance to insure them). and, to be honest, they're about the only thing I own that is worth anything. That was a plus of living on the 11th floor. If some spiderman type could climb 11 floors to get into my flat, he'd have been welcome to my chit. any ideas? sorry to be OT, I have no idea of who to ask though. Thanks Alex _ - End of message text This e-mail is sent by the above named in their individual, non-business capacity and is not on behalf of PricewaterhouseCoopers. PricewaterhouseCoopers may monitor outgoing and incoming e-mails and other telecommunications on its e-mail and telecommunications systems. By replying to this e-mail you give your consent to such monitoring
Re: (313) record insurance (OT)
thanks all, it's much appreciated. I'm pretty clueless (and irresponsible I guess) about these sort of things. ha ha, now I'll ask Rebecca to sort it out. ho ho ho. _ - End of message text This e-mail is sent by the above named in their individual, non-business capacity and is not on behalf of PricewaterhouseCoopers. PricewaterhouseCoopers may monitor outgoing and incoming e-mails and other telecommunications on its e-mail and telecommunications systems. By replying to this e-mail you give your consent to such monitoring
RE: (313) record insurance (OT)
>From what I understand they're covered by home owner's or renters insurance policies, at least here in the states. Considered the same type personal property as a mountain bike or television. I just added an extra $10K-20k to my insurance policy regarding the total value of my personal property. This is also where I find real value in having my collection listed in Discogs. Hopefully no one ever has to experience this, but if there were a fire and every piece of vinyl you owned went up in flames, then you have some type of record/proof of what was lost. Of course you may not be able to recover out of print titles, etc. but you could receive some type of financial benefit by having insurance and a record/proof of what was lost. I am certainly no expert on the subject though. I would highly recommend looking into it. We work too hard to buy all these precious vinyls to have someone/thing take them away so easily. Speaking of, it seems like I heard Derrick Carter lost his house/record collection to a fire a few years back. Anyone know about this or am I dreaming this up? Adam -Original Message- From: Toby Frith [mailto:[EMAIL PROTECTED] Sent: Thursday, July 01, 2004 10:19 AM To: [EMAIL PROTECTED]; 313@hyperreal.org Subject: RE: (313) record insurance (OT) I would have thought that they were covered under house insurance. Mine are. To be honest though, unless the burglar knew a)you had a load of records and b) knew about records themselves it's unlikely that they'd steal them because they're bulky and heavy. It's much more likely that they'll just nick your electrical equipment. -Original Message- From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] Sent: 01 July 2004 15:13 To: 313@hyperreal.org Subject: (313) record insurance (OT) Hi Do people insure their records? If so, where? and does it cost alot? My new house is wayyy too easy to break into for my liking, and I just know one day I'm gonna catch some 12 yr old dangling half way outside my spare room window with a load of records under his arm. (Probably before I get a chance to insure them). and, to be honest, they're about the only thing I own that is worth anything. That was a plus of living on the 11th floor. If some spiderman type could climb 11 floors to get into my flat, he'd have been welcome to my chit. any ideas? sorry to be OT, I have no idea of who to ask though. Thanks Alex _ - End of message text This e-mail is sent by the above named in their individual, non-business capacity and is not on behalf of PricewaterhouseCoopers. PricewaterhouseCoopers may monitor outgoing and incoming e-mails and other telecommunications on its e-mail and telecommunications systems. By replying to this e-mail you give your consent to such monitoring
Re: (313) record insurance (OT)
>> My new house is wayyy too easy to break into for my liking, and I just know >> one day I'm gonna catch some 12 yr old dangling half way outside my spare >> room window with a load of records under his arm. (Probably before I get a >> chance to insure them). So, where *is* your new house :) Joking aside, a household contents insurance policy should cover it. You would need to be aware of whether they classify a collection of items as a 'single article' because your single article limit will probably be less than the sum total of your records. The other thing to do is take photographic evidence of your collection which you can present in the case of the claim. What Toby says about a burglar not bothering to nick them due to size/weight is true. However, if someone is prepared to break into your house then you have to figure that they may also trash whatever they don't carry off. Crime: together we'll crack it :) N P.S: Seriously, where do you live? Are you ever out for long periods during the day? What time would this be? Do you have a burglar alarm that I should know about?
Re: (313) record insurance (OT)
yeah i'm the same...covered in the amount i insure in contents. it's fire and flood that i worry about not someone gathering boxes together and lugging vinyl down the street. take pics of all the vinyl in it's racks tho as the insurance jokers won't believe you when you say you had 5000 bits of vinyl be interesting to see if anyone has them more specifically insured, and whether this requires having a list of all your records. robin... On 1 Jul 2004, at 15:18, Toby Frith wrote: I would have thought that they were covered under house insurance. Mine are. To be honest though, unless the burglar knew a)you had a load of records and b) knew about records themselves it's unlikely that they'd steal them because they're bulky and heavy. It's much more likely that they'll just nick your electrical equipment.
RE: (313) record insurance (OT)
I would have thought that they were covered under house insurance. Mine are. To be honest though, unless the burglar knew a)you had a load of records and b) knew about records themselves it's unlikely that they'd steal them because they're bulky and heavy. It's much more likely that they'll just nick your electrical equipment. -Original Message- From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] Sent: 01 July 2004 15:13 To: 313@hyperreal.org Subject: (313) record insurance (OT) Hi Do people insure their records? If so, where? and does it cost alot? My new house is wayyy too easy to break into for my liking, and I just know one day I'm gonna catch some 12 yr old dangling half way outside my spare room window with a load of records under his arm. (Probably before I get a chance to insure them). and, to be honest, they're about the only thing I own that is worth anything. That was a plus of living on the 11th floor. If some spiderman type could climb 11 floors to get into my flat, he'd have been welcome to my chit. any ideas? sorry to be OT, I have no idea of who to ask though. Thanks Alex _ - End of message text This e-mail is sent by the above named in their individual, non-business capacity and is not on behalf of PricewaterhouseCoopers. PricewaterhouseCoopers may monitor outgoing and incoming e-mails and other telecommunications on its e-mail and telecommunications systems. By replying to this e-mail you give your consent to such monitoring
