Insuring Your Collection Questions?

[gunter uxbridge]

I think our homeowners insurance goes up to 90k or something for Contents.

One thing I would suggest is to take a camcorder and get everything on the house on tape. That way the insurance company can't dispute whether or not you had the items. It also makes it easier in the event you actually do lose everything. You have a record of basically everything you owned.

Of course, be sure not to keep the video tape in your house!

Funny, but I did this last weekend. I just borrowed my parents old camcorder and went on a walking tour of the apartment. I did a sort of running commentary on what I had, etc. Next time I go home the tape will go into their fire proof safe. I am also going to do a tape of their place and keep it at my house. Buddy system works best.

 

[Greatwyrm]

Thanks for the advice. Although facing the insurance agent and saying I have a priceless collection (of DnD) material might make me a social outcast with him (I actually worry he might drop me, but that is for another thread), I hope I can get some straight answers and get my collection covered.

Insurance agents work on comission. As long as you're paying your bill and not being a pain in the butt, he'll be happy to see you whenever you stop by. If not, there are plenty of other agents out there that will be happy to take your business.

I also work in insurance and the best advice I can give you is to have a sit down meeting with your agent to find out what you need to do. In the US, practically all insurance issues are regulated at the state level. What I tell you works in Illinois may be worthless in Wisconsin or Florida. A local agent is the best person to help you correctly cover your property.