Over the years my collection has grown substantially. It is now to the point where I am concerned about losing it in some manner. Whether it be a tornado, hurricane, fire, theft... My question is this: Do any of you insure your collections above your regular homeowners insurance?
Post by keesvanderlaak on Apr 30, 2012 10:37:28 GMT -4
I did once had an insurance for my expensive electrical guitar. I also did the math that if I just save up the monthly insurance fee for over 3 years that I could buy myself this guitar again so I have stopped using the insurance.
I can imagine that you want to insure your collection but then again, I can find myself a new guitar and in case something might happen to your collection then I am sure you wil never be able to get em all back.
I'd rather invest in the safety of your collection. like alarm systems to prevent theft and alarm systems to warn about fire. (installing sprinklers?) I have no idea of how you keep your collection but mine is sitting in a box hidden somewhere in my home. I do not display my lures.
I would agree with Kees on Self insurance in most cases - but with the collections that some of us have acquired - especially Jason, Bulldog, Bacon, JMC, walleye 270 etc. - it might take a special rider on top of a home owners insurance policy. The one thing we all probably need to do is to take photos or videos of our entire collection - that way if disaster ever strikes - at least you have something to prove value. John - if my insurance guy told me to get a value on each item.......I would go and find another agent and company!
Post by keesvanderlaak on Aug 7, 2012 9:01:27 GMT -4
The biggest thing is that John is still trading and what not.. not that this is a bad thing.. but, you cant get ensurance for something that is not consistent. I mean,.. if you do get a value on euch lure. you must make shure you don't trade that lure anymore. how will you and the ensurance company keep track on what is in the rider?
a guitar is a whole different ballgame, expensive models do have serial numbers and that is something that is easy to retain as a prove of value. it is now almost 9 years ago when I bought my Gibson guitar. by the math I did on the ensurance fee I saved by not ensuring the guitar, I could have bought me another 2 gibson guitars!
i agree with happyshad on this. i added a rider to my homeowners for the value of the collection as a whole. it would cover partial and whole losses and i didnt need an itemized value, but was told to have good records and photos of everything and as the collection increases i need to inform them to increase the value of protection. so far i havent added enough that i have felt it warranted to revaluation, but i might need to reconsider that. if there that concered about itemization on thousands of lures, it might be time to look for another agent/company. sometimes just looking for another will get you current insurer to play ball and be more competitive with rates.
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