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Unfortunately, I have PLENTY of experience on this one... I had a house burn down with several TVs in it in 1988. So since then, I have kept up to date on the best way to handle the insurance issues.
First, reagardless of what coverage you have, you must take PHOTOS, PHOTOS, and MORE PHOTOS!!!!!!!!!!!!!!!!!!!!!! And keep a perfect INVENTORY of all your TVs, parts, manuals, knobs, remote handunits, and every single item. Store those photos in several places; such as the internet, and a copy to a relative who lives far away. That way, if the unthinkable happens, you still have your photos.
COVERAGE: A standard homeowners' policy will cover the TVs in most cases, unless you have hundreds of them. Your policy has a contents figure, which either covers up to a specific amount, or "total replacement", which will pay to buy the equivalent of what you have now. You can also buy a floater, which is an add-on for specific items such as guns, computers, jewelry, etc. Those are costly, but if you have a some prewar $10,000 TVs, I would look into that. Otherwise, you should be OK with a standard policy as long as you have PHOTOS, PHOTOS, and MORE PHOTOS. That way, all you have to do is go on eBay and find the last few sales of similar TVs to yours, and prove their value. Also, you can get a quote from a known vintage TV dealer such as Harry Poster on getting you some replacement sets. But if you can't prove what TVs you had, with photos or some sort of documentation, even a $10,000,000 floater will do you NO good.
*** CALL your insurance agent for qualified advice, because I am only quoting what I have been told and have experienced***
Charles
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Collecting & restoring TVs in Los Angeles since age 10
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