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(...) I (...) I just overinflated my contents coverage. The agent doesn't really care what you have in your house, so I didn't mention the all that I have in Lego. The only things that are specifically called out in insurance coverages are things (...) (25 years ago, 5-Oct-99, to lugnet.general)
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(...) I'm pretty sure they'd find some way of wriggling out of paying for $5,000[1] worth of replacement Lego if you don't specifically mention it as an item though. Richard [1] Random figure - I'm sure it's a lot higher for some people! (25 years ago, 5-Oct-99, to lugnet.general)
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I asked my agent about it and he said it would be covered under my renter's insurance policy. I didn't have to list items individually but they suggested that I videotape or photograph everything of value. Do most policys use replacement value or (...) (25 years ago, 5-Oct-99, to lugnet.general)
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(...) Replacement value. A policy based on original cost will have inaccurate data fast, and will grow more inaccurate over time. This would make it very difficult for the insurance company to accurately estimate its liability, and would mean they (...) (25 years ago, 5-Oct-99, to lugnet.general)
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Christopher Tracey <ctracey@usgs.gov> wrote in message news:37FA25C2.6D3784...sgs.gov... (...) renter's (...) suggested (...) This will depend on the type of policy that you get. When we were getting insurance for my business, we went several rounds (...) (25 years ago, 5-Oct-99, to lugnet.general)
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(...) Did you look into contracting with some kind of a disaster recovery outfit? In the large-organization world (mainframes, call centers, etc), this is a plan/arrangement to get your data and environment quickly set up and running in another (...) (25 years ago, 5-Oct-99, to lugnet.general)
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(...) outfit? (...) We're not that big of an organization, and the insurance to cover the equipment didn't cost THAT much. It was just substantially more then what a "normal" policy would have cost. With archives of the data off-site, all we would (...) (25 years ago, 6-Oct-99, to lugnet.general)
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The problem with doing that is that insurance companies normally have a limit on items/collections not separately identified on the policy document, on mine it is $1000. So if you have a collection worth $25,000 this is a dangerous way to insure. (...) (25 years ago, 6-Oct-99, to lugnet.general)
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