Is there a type of insurance for DVDs?

Question

i have a huge DVD collection. some of which are very rare.

is there any way i could get some sort of insurance for them?

Answer 1

Several.

The easiest is with your homeowners or renters policy. You have to be very careful with policy forms, as MANY only cover the original materials.

You'll have to keep a massive inventory, and if the value is high enough, you'll have to "secure" them with alarm systems, etc.

You can also go for a "collector" type policy, *if* you can find someone willing to write it. That type of policy is much more likely to exclude theft.

In EITHER case, you're going to have a deductible - so it's not going to cover one, or five, or maybe even more of the DVD's.

If you have illegal copies, only the cost of the blank media is covered.

Answer 2

Actually, they would be covered under "contents" if you have a homeowners, condo owners, or tenant policy. (Also, if you purchased the extra contents coverage under a dwelling fire policy.)

However, the only way to get them covered without a deductible is to do something called "scheduling" them. That means you'd list them individually with an assigned value. On the other hand, I'm not aware of any insurance companies that allow you to schedule DVDs or similar types of media (it's typically for jewelry, furs, china and silverware, or fine arts.) I doubt that you'd have any individual DVD that would be worth scheduling, though (unless I'm drastically underestimating the value.)

If you do have them covered (but not scheduled), you'll need to make sure you have an inventory and an estimated value for each, in case something happens.

Answer 3

Depend where you live (condo-house, townhouse use HO-6 coverage and cover them to HO-61 form (Schedule Property) If you live in a residence HO-2 Coverage.

I suggest to cover them in the HO-61 form because this form not apply deductible.

Answer 4

Yes, it's called personal property insurance. Just google: insurance personal property. You should find something.