Posted by Rick Denney on May 24, 2002 at 10:02:21:
In Reply to: Re: Re: MW2165 missing / probably stolen posted by Steve Dedman on May 24, 2002 at 09:36:38:
Allstate, at the moment. Don't use that neighborly company as an example--actually they rarely represent what is available in the insurance biz (this from a career agent and one of their top sellers, plus my own experience). I've also had this coverage with several other companies.
Listing it along with your other possessions isn't the same thing as scheduling it. If you schedule it separately, you pay and extra premium on that coverage, and it protects all non-commercial use against any loss. And homeowner's insurance will cover items in your car. I once was covered when some cameras were stolen out of a friend's car, and they were not scheduled.
Some items can't be scheduled, including computers, cash, and a few other items, and this varies depending on the company. I had to support my stated values with appraisals or price lists.
Rick "who, come to think of it, needs to update his coverage" Denney