Tradewind
Well-known member
- Joined
- Aug 19, 2015
- Messages
- 4,600
I had a long discussion with the insurance agent on items. Anything $4,000 grand and over I have individual policy on, (my choice on this). It cost me more in the long run
but that is where is drew the line. Everything else falls under the homeowners policy (umbrella) which seems to me to be a crap shoot on how I get made whole on fire,
theft from the premises. Basically told me I am SOL or self insured once the toys come off the property that are not insured individually.
I took pictures of all the stuff in the garage that does not have it's own policy.
I am sorry for your misfortune. Your state may have different rules than mine. I think you have an up hill battle
but that is where is drew the line. Everything else falls under the homeowners policy (umbrella) which seems to me to be a crap shoot on how I get made whole on fire,
theft from the premises. Basically told me I am SOL or self insured once the toys come off the property that are not insured individually.
I took pictures of all the stuff in the garage that does not have it's own policy.
I am sorry for your misfortune. Your state may have different rules than mine. I think you have an up hill battle
