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RE: Repairs and Insurance

Subject: RE: Repairs and Insurance
From: "Scott Shepard" <>
Date: Thu, 20 Feb 2003 06:07:10 -0800
Thanks Doug.  Do these floaters cover equipment used for my business,
which lives my apartment?  

 

-----Original Message-----
From: Doug Von Gausig  
Sent: Monday, February 17, 2003 7:29 AM
To: 
Subject: Re: [Nature Recordists] Repairs and Insurance

 

At 09:24 PM 2/16/2003, you wrote:
>Scott Shepard wrote:
>
> > Second, how, if at all, do you insure your gear when you take it out
> > into the world (or even when it stays behind)?  I've been getting
more
> > and more uncomfortable with having all the expensive stuff traveling
> > with me.

Ask your homeowner's insurer for a "floater" policy. These are
"all-risk" 
mini-policies attached to your homeowner's coverage that will insure
either 
specific ("scheduled") equipment or unspecified ("unscheduled", or 
"blanket"") equipment while it is anywhere in the world. The coverage
will 
include theft and most other common causes of loss. They are usually not

expensive - rated on the value of the equipment. Your homeowner's or 
renter's policy probably already includes some "off-premises" coverage
for 
your personal belongings, but may limit the value and some of the causes
of 
loss that "floaters" will cover.

I am an ex (happily) insurance agent.

Doug
Doug Von Gausig
Clarkdale, Arizona, USA
Moderator
Nature Recordists e-mail group
http://groups.yahoo.com/group/naturerecordists



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