John Hermanson wrote:
>
> Yes, for afew dollars more per year, we changed our coverage for electronics,
> cameras and video gear to "replacement value" not
> depreciated value.
>
> John
>
> Dave Haynie wrote:
>
> > On Fri, 30 Oct 1998 06:52:08 -0600, "Ken Norton" <image66@xxxxxxx> jammed
> > all night, and by sunrise was overheard remarking:
> >
> > > The deductable is what eats you up. Unless you have a major loss, you
> > > won't
> > > do very well. An OM-10 will get replaced with an OM-2000. Let's see,
> > > with
> > > a $250 deductable how much will the insurance company reimburse you?
> >
> > Howeever, depending on your insurance company, you may want a specific
> > rider for your camera gear. I don't, but I have had this for jewelry and
> > computer gear. It wasn't all that expensive, and when I lost my Tag
> > Heuer diving watch at the gym (most likely stolen while I was in the
> > shower), I got full original value, no deductable. The computer gear is
> > treated based on replacement value, not original value (they're not
> > stupid to the ways of computer gear pricing), but again, no deductable
> > and there's an automatic coverage for some percentage of the total value
> > in software. If you have lots of camera gear, it couldn't hurt to
> > investigate this -- the basic homeowner's policies are really only
> > geared to catostrophic losses, not the "camera stolen at the beach" kind
> > of thing.
> >
> > --
> > Dave Haynie | V.P. Technology, Met@box Infonet, AG | http://www.metabox.de
> > Be Dev #2024 | NB851 Powered! | Amiga 2000, 3000, 4000, PIOS One
> >
> >
>
Checked with my insurance company, they quoted $30/yr, $100 deductable
for $2,250 replacement value. Over that minimum amount it's $1.30/$100.
Think I'll go for it. John.
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