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Locksmith engaged - MegaZone's Safety Valve
The Ramblings of a Damaged Mind
zonereyrie
zonereyrie
Locksmith engaged
OK, Monday morning they'll be out redo all of the locks on the house. Then I'll feel better about moving more of my stuff in there.

Tags: ,
I am: sore sore
Current Media: Tori Amos: Scarlet's Walk - Wampum Prayer

12 STDOUT || STDIN
Comments
rbarclay From: rbarclay Date: June 21st, 2005 09:16 pm (UTC) (Direct Link)
TBH, I'd rather go for insurance first thing of all. Especially in an object rather exposed (house vs. apartment).
purly From: purly Date: June 21st, 2005 09:25 pm (UTC) (Direct Link)
Yeah, get insurance as soon as you can. While my parents were transitioning into their most recent house, people broke in and had a party in it (and while they were at it vandalized the house). Kids!
rbarclay From: rbarclay Date: June 21st, 2005 09:32 pm (UTC) (Direct Link)
Yeah, vandals especially, though not limited to them. A leaking pipe can do as much damage, if not more, easily.

BTW, Zoner has mentioned that he got some insurance already, though he didn't specify what kind ;) - so my original comment was partly just to get him to clarify that.
purly From: purly Date: June 21st, 2005 09:37 pm (UTC) (Direct Link)
heh... I just now read down a little further on my friends page so I didn't know.
zonereyrie From: zonereyrie Date: June 21st, 2005 09:53 pm (UTC) (Direct Link)
Yes, I have homeowner's insurance which covers the house and the contents, as well as liability, etc.
rbarclay From: rbarclay Date: June 21st, 2005 10:04 pm (UTC) (Direct Link)
Umm, again, with more detail as to what's actually covered, for the furriner, please?
Theft, (pipe etc) breakage, natural disaster (earthquake etc), accidents (running $foo when not at home)?

I do know that liability is much more of a concern to you in the USofA than us in Good Ole .eu, but as this touches a pet interest of mine...
zonereyrie From: zonereyrie Date: June 21st, 2005 10:15 pm (UTC) (Direct Link)
I don't have the full policy with me - but I did not buy flood coverage (I'm way up a hill, with no water around, if it floods everyone is in deep - literally), and I didn't get the optional earthquake coverage.

Other storm damage is covered. Pipe bursts, etc, are covered. Theft is covered. (I have a $1000 deductible - I could've gone with a lower deductable and paid more, but I probably won't claim anything under $1000 anyway since it goes on my record and can hurt my rates later.) I got optional credit fraud coverage - basically identify theft coverage. If someone uses my credit cards, etc, I'm covered for up to $16k.

I insured the house for the modern replacement cost (what it would cost to rebuild a similar home using modern materials - it costs more to insure it to rebuild it as it is, with some of the home from the 1920s, using rock foundation, etc.).

Other stuff is covered - if I lose power and have to toss spoiled food, $500 is covered. (Not that I'd claim it really.) Trees, shrubs, plants, etc, are covered - up to $1,000 per plant or up to 10% of the liability coverage. Electronics up to $15,000...

I wonder if I can get the policy in electronic format...
rbarclay From: rbarclay Date: June 21st, 2005 10:26 pm (UTC) (Direct Link)
Wow.

I'd very probably need to get at least 3 different insurances for that coverage in .at:
- "(super)natural causes": earthquake, flood, etc
- "unwarranted" accidents: broken pipe etc
- "theft&vandalism"

They're a/v combined, but at a prohibitive cost, esp. when you also want liability covered (liability as in "your broken stuff damages neighbours stuff", mostly relevant in apartments, of course).

This all reminds me that I need to check up on my "household" insurance, as the max. amount is quite low at $/USD 50k is rather, umm, under-dimensioned. Well, it was designed for another apartment...
etherial From: etherial Date: June 22nd, 2005 10:13 am (UTC) (Direct Link)

re: Insurance

You didn't buy the Earthquake Insurance? In Massachusetts? What will you do when The Big One hits?
zonereyrie From: zonereyrie Date: June 22nd, 2005 02:19 pm (UTC) (Direct Link)

Re: Insurance

Watch Boston sink.
zonereyrie From: zonereyrie Date: June 21st, 2005 09:52 pm (UTC) (Direct Link)
As of today I have home owners insurance. Though I will get a discount once I have deadbolts, and again for the alarm.
malone From: malone Date: June 22nd, 2005 01:12 pm (UTC) (Direct Link)
Okay, so ... did you solve the whole TV thing? If not, why not move one of yours over to the house on Friday and just leave it there? I mean - how many TV's does one person really need? Ya know? If it gets stolen then your insurance will cover it anyway, yes?

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