insurance - gotta have it
Topic 11 · 17 responses · archived october 2000
~terry
Sun, Jan 5, 1997 (19:45)
seed
What kind of homeowners or rentors policy is best? Where did you get yours?
What about cost? How much is enough?
~yves
Mon, Jan 5, 1998 (02:31)
#1
It cost too much and when something hapen, there's always a small phrase writen in tiny tiny caracter that exclude you from it....
~terry
Mon, Jan 5, 1998 (11:37)
#2
Did something bad happen specifically that you know about that makes you say this?
~yves
Wed, Jan 7, 1998 (04:17)
#3
Not to me but we have a consumer protection show on TV. and they ofen relate situations were people were sure to be covered by their insurance and it wasn't. Situations as water fulling inside the basement, or people who rent their house, have been vandalismed(?) and weren't cover, cause the damages didn't been made at the same time. For each dammage, a claim.(cigarette burn, a clain, dammaged wall, a claim...). And for each clain you have a deductible amount, so...
~autumn
Mon, Feb 23, 1998 (21:10)
#4
My 2 year-old nephew knocked the iron off the ironing board, which landed on the carpet and made an impression--you can imagine! (Thank God he wasn't hurt and the house didn't burn down.) Their homeowners' insurance replaced about 750 square feet of carpeting for a 2x2 burn spot (of course my brother had to pay a small deductible). It's nice to use your policy under non-catastrophic circumstances.
~terry
Tue, Feb 24, 1998 (00:14)
#5
Whew! I'm glad for the happy ending, Autumn.
~yves
Tue, Feb 24, 1998 (02:36)
#6
Lucky he didn't have the iron on him. Deductible, thatword wake up a souvenir. I owned a 16' plastic (light weight) canoe. Somebody robbed it. As I purchased it directly from the manufacture at a good price, $250. My deductible was $200, and the canoe wasn't no more available. I had to buy a 14' fiberglass (heavier) canoe for $350. If my memory's good, I prononced words that arn't writable...
~autumn
Wed, Feb 25, 1998 (21:38)
#7
Wow, you really got a raw deal on that one...although if memory serves, they have to pay you the current market price for a similar item, not simply refund the purchase price. Maybe it depends on the insurance carrier (mine is "like a good neighbor"!)
~yves
Thu, Feb 26, 1998 (03:24)
#8
At that time there was no "similar" canoe, that was the hic. It was hard to put a price on it.
~autumn
Fri, Feb 27, 1998 (23:05)
#9
Ah, that's what you get for being unique!
~KitchenManager
Sat, Feb 28, 1998 (01:42)
#10
Hmmm...does anyone cover uniquity?
(not that I could afford the premiums,
OR the deductible...)
~yves
Sat, Feb 28, 1998 (03:53)
#11
Loyds maybe???
But I doubt that they would be interested on a $250 canoe :o)
~terry
Sat, Feb 28, 1998 (13:49)
#12
I just paid my home insurance a year in advance. I hate monthly
payments, which are a credit pitfall.
~autumn
Sun, Mar 1, 1998 (21:58)
#13
I didn't even know you could pay homeowner's insurance on a monthly basis. Why would you want to? Frankly, mine's nothing compared to auto insurance.
I don't think Lloyd's would insure Yves' canoe, but they might insure your master chef hands, wer!
~KitchenManager
Mon, Mar 2, 1998 (00:34)
#14
gotta feeling I would have to figure out how to
quantify their worth, not to mention appreciation
and/or depreciation...
~autumn
Tue, Mar 3, 1998 (14:37)
#15
Hmmm, maybe some others can assist you in that endeavor...
~KitchenManager
Tue, Mar 3, 1998 (17:22)
#16
Anybody know a good hand assayer?!?!
~KitchenManager
Tue, Mar 3, 1998 (17:23)
#17
Or appraiser?!?!