hlockwood
Well-known
If you're like me, you sometimes get nervous about walking around with thousands of dollars hanging off your shoulder. So, for peace of mind I decided to insure all my gear. Turns out, it's quite cheap, at least when added to a homeowners policy. For loss of any kind, with no deductible, full-cost replacement is $11.50 per $1000 from Liberty Mutual.
Seems ill advised not to have such protection.
Harry
Seems ill advised not to have such protection.
Harry
sepiareverb
genius and moron
Wow that's a great deal. Did you tell them you take the equipment out of the house?
hlockwood
Well-known
What i didn't ask was whether the coverage applied to foreign travel. I'll report back if the answer is negative.
Harry
oftheherd
Veteran
Not to steal your thread, but from time to time I jump up on my soap box and begin to rant. Many of you may recall I have mentioned having gone through a house fire something over 15 years ago. That was the first house I had bought, but I knew I should have home insureance so I got it. I was a little embarassed when the agent asked me the value of the contents (the house was full replacement thankfully). I had many things that were old, but very good and usable. I decided on $50,000.
Well, the way it goes is that we buy over a period of time. You get a living room set today. Next year it is a new dinette. In a couple more years a new bedroom set. All the while you are buying clothes. If you have a lot of conservative clothing, it may last for some years. How often do you wear a suit? I did often, but had a lot. Blue jeans may last 2 or 3 years, or more with several sets. Cameras and lenses acquired over several years. Geez, I even had some old ones my father had used. Really old.
Then one day you come home and you don't have any of those things. They all have to be bought new at today's prices. Multiply that by a wife and two kids.
Yeah. Get insurance. Figure out what you think it is worth, then double or triple it. You probably aren't going to up those figures for several years, are you?
Yeah. Get insured.
Well, the way it goes is that we buy over a period of time. You get a living room set today. Next year it is a new dinette. In a couple more years a new bedroom set. All the while you are buying clothes. If you have a lot of conservative clothing, it may last for some years. How often do you wear a suit? I did often, but had a lot. Blue jeans may last 2 or 3 years, or more with several sets. Cameras and lenses acquired over several years. Geez, I even had some old ones my father had used. Really old.
Then one day you come home and you don't have any of those things. They all have to be bought new at today's prices. Multiply that by a wife and two kids.
Yeah. Get insurance. Figure out what you think it is worth, then double or triple it. You probably aren't going to up those figures for several years, are you?
Yeah. Get insured.
Last edited:
sepiareverb
genius and moron
I was told it would be something like $600 a year to add it to my homeowners because I took the cameras out of the house (alas I'm no fondler), and I've hardly ever gotten anything from my insurance company except a bill. My truck was hit in the side by someone and they "advocated" me into causing the accident. I was lucky the cement truck I was pushed into the path of managed to miss me (seriously- it was within two feet). When I arugued with them they decided I could get half of my repair covered (after deductable).
I may be switching to Liberty Mutual...
I may be switching to Liberty Mutual...
