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Old 08-29-2006, 01:38 PM   #1  
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Default Wondering if everyone has ins on their supplies

I was just wondering how many people have added extra insurance coverage or even made a list in the event of fire on your stamping stock. I have to actually check my policy to be sure I would have enough coverage.
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Old 08-29-2006, 01:59 PM   #2  
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I do....well...my agent came to the house one evening to have me re-sign my policy since I work 5 12 hour days a week....saw all my craft stuff everywhere and just wrote it into my policy. I think it costs me about $3 more per month....not too big of a deal.
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Old 08-29-2006, 02:00 PM   #3  
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I have it on mine! It's an extra couple of bucks a month but totally worth it!
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Old 08-29-2006, 04:45 PM   #4  
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Oh I definitely see the value. I just have to be sure the coverage is there and I need to get a rough replacement value. Gasp! I couldn't imagine replacing the retired sets I recently acquired again.
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Old 08-29-2006, 06:32 PM   #5  
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Hey, that's a great idea. I'm calling my guy tomorrow!
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Old 08-29-2006, 06:47 PM   #6  
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Yes, as an extension of my personal property coverage, I have coverage for my stamping stuff. You might ask your agent if claims are settled on a replacement cost basis (i.e. you get new ink pads if yours are damaged) or on an actual cash value basis (i.e. you get an amount equal to the value of a new pad, but subtract out the amount of use you got out of the ink pad before it was damaged). It's a pretty important concept, especially when you're talking about some of our stamp sets and supplies that can be pretty valuable and difficult to replace.

If I might mini-hi-jack, if you are a demo, you might also ask your friendly agent about liability coverage for your business as well (assuming your insurance company views your stamping activities as a business). Mine extends right from my homeowners insurance policy for a small fee (about $60 annually).

It can be a difficult concept to grasp, but would come in to play if, for example, you held a workshop in your home and your customer cut herself with your scissors while making a project.

Can you tell I'm an insurance geek? I'm not an agent, so always defer to the professionals with questions about your specific situation...just some food for thought!
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Old 08-29-2006, 06:51 PM   #7  
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I don't own my home (my parents rent our townhouse), so no insurance for me.. It's a great idea, though. People put tons of money into their supplies and stamps. Trust me, if I had homeowners insurance, I'd add ALL of the craft supplies to the policy. My mom has probaby $1000 in fabric and sewing supplies, plus three sewing machines.
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Old 08-29-2006, 07:57 PM   #8  
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Ashley, your parents could be eligible for a tenant-homeowners policy (renter's insurance) to cover their stuff and you, as a household member would also be covered; they would need to add up all their stuff, (furniture, appliances, clothes, including your items) to get an idea of how much coverage to ask their agent for; I'd suggest calling your/their agent.
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Old 08-30-2006, 04:20 AM   #9  
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thanks for the input everyone.

I am not a demo so I dont' have to worry about the liability. I would also recommend renter's insurance to anyone who is renting vs owning.
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Old 08-30-2006, 04:36 AM   #10  
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renters insurance is based on how close you are to a fire hydrant. I can't cover my stuff because even though we are right next to a water supply, no hydrants here.
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Old 08-30-2006, 05:23 AM   #11  
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I don't have anything yet, but I'm right in the middle of a major updating of all my financial information (wills, insurance, etc.) I'm also right in the middle of a major crafting clean-up and organization. I saw just how much stuff I really have (scary!) and how much it actually cost (and the price to replace if I had to). I'm trying to get my DH to do the same with his woodworking supplies which he has a substantial investment in, too.
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Old 08-30-2006, 05:29 AM   #12  
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Ashley....definately check into renters insurance. After my parents got married, the apartment next to theirs was on fire and all my parents stuff got ruined from smoke damage...and the renters covered it. It's good stuff to have!
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Old 08-30-2006, 05:38 AM   #13  
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Quote:

Originally Posted by Momofoneson
renters insurance is based on how close you are to a fire hydrant. I can't cover my stuff because even though we are right next to a water supply, no hydrants here.

I used to be an insurance agent, and the only thing that being close to a hydrant means is the difference in premium; the closer a hydrant is to your apartment/condo the faster the fire dept can hook up and put out the fire. In your case, your monthly fee would be higher than someone that has easy access to the hydrant. If your insurance agent is telling you that you can't have renter's insurance, I would change agents/company's. You have the right to insure your belongings, even if you live WAY out in the boonies and the fire department is 20 miles away. Sorry to get on my "high horse" but it burns me up when a lazy agent just doesn't want to write a policy, I had an agent that told me I couldn't have life insurance because I was more than 6 months pregnant, that the risks were too high........4 months after giving birth, I went into the agent training program of the same company he worked for and found out the truth!!! there is NO such thing, he just didn't want to write up a policy, you should have seen his face when I confronted him!!! Anyway, I would look into the renter's insurance, it's REALLY inexpensive, like $20/mo.

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Old 08-30-2006, 05:46 AM   #14  
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i wish i did, but at the moment our insurance is $1600 a year ( which is cheap in florida right now) and It is with insurer of last resort - citizens... I have pictures of everything ( the whole house everythign in it includign my stamps) in my fire safe, my important documents are inb there also.
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Old 08-30-2006, 08:23 AM   #15  
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Quote:

Originally Posted by ashleyprugh
I don't own my home (my parents rent our townhouse), so no insurance for me.. It's a great idea, though. People put tons of money into their supplies and stamps. Trust me, if I had homeowners insurance, I'd add ALL of the craft supplies to the policy. My mom has probaby $1000 in fabric and sewing supplies, plus three sewing machines.
When I rented an apartment before getting married. I had Renter's Insurnance. That covered everything I owned in my apartment

My policy cost me per year $200. Which my agent billed me 4 times a year.

I had some Craft supplies NOT like I do now!
And antiques. A Teddy Bear collections. Which I still have.

So this would be a good thing to get for you Apartment, Townhome, House if renting.

I did have to file a claim once. The roof of the apartment was leaking into my apartment.
And it ruined some of my Craft supplies that I had stored in a closet.
They gave me cash value for the supplies.
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Old 08-30-2006, 08:26 AM   #16  
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Of course. I would be devistated to start over again. I know that it is just stuff, but it is my rest from everything. My answer to my free time, to stress.
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Old 08-30-2006, 08:28 AM   #17  
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I bought a computer program from LNS for stamping. My insurance agent said it accept by 97% of all insurance companies.

I have all stamps, supplies and even a portion of my paper covered for full replacement costs. This coverage is a mere few cents a week to my HomeOwners policy and so worth it!
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Old 08-30-2006, 08:30 AM   #18  
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Quote:

Originally Posted by Momofoneson
renters insurance is based on how close you are to a fire hydrant. I can't cover my stuff because even though we are right next to a water supply, no hydrants here.
I agree with Shelly, look for a new agent. The hydrant should have nothing to do with it; that's what the fire dept. has tanker and pump trucks for. There's also other damage that could occur; what if a pipe bursts and ruins all of your stuff. Good luck.

I don't have a rider for my craft stuff, but I have enough on replacement personal property to cover what I have.
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