Comments on: Would home insurace coverage cover for the equipment lost in my boat? http://www.stcsolutions.net/boat-insurance/would-home-insurace-coverage-cover-for-the-equipment-lost-in-my-boat PROTECT WHAT'S IMPORTANT TO YOU Sun, 05 Feb 2012 08:04:59 -0600 http://wordpress.org/?v=2.8.4 hourly 1 By: car253 http://www.stcsolutions.net/boat-insurance/would-home-insurace-coverage-cover-for-the-equipment-lost-in-my-boat/comment-page-1#comment-3253 car253 Sun, 14 Mar 2010 16:09:59 +0000 http://www.stcsolutions.net/boat-insurance/would-home-insurace-coverage-cover-for-the-equipment-lost-in-my-boat#comment-3253 Even if you put in a claim on your homeowners insurance and it does cover you, with a $500 deductible you would only be $300. It's not worth claiming. Try to get shop to pay for your loss. If they don't then sue them in small claims court. Don't put in a claim on your homeowners insurance. Save a claim for something big.<br><b>References : </b><br> Even if you put in a claim on your homeowners insurance and it does cover you, with a $500 deductible you would only be $300. It’s not worth claiming.

Try to get shop to pay for your loss. If they don’t then sue them in small claims court.

Don’t put in a claim on your homeowners insurance. Save a claim for something big.
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]]> By: mbrcatz http://www.stcsolutions.net/boat-insurance/would-home-insurace-coverage-cover-for-the-equipment-lost-in-my-boat/comment-page-1#comment-3252 mbrcatz Sun, 14 Mar 2010 15:22:59 +0000 http://www.stcsolutions.net/boat-insurance/would-home-insurace-coverage-cover-for-the-equipment-lost-in-my-boat#comment-3252 The homeowners policy has LIMITED coverage for a boat and it's eqiupment. The way the standard policy reads, there's coverage up to $1,000 for any watercraft and equipment, while on the premises listed on the policy (at home). Unfortunately, once it's off your premises, it's not covered AT ALL, and neither is the equipment. Hopefully, you had it insured under a boat owners policy, and the equipment as well. If not, you can always see if the boat mechanic has a marina policy that covers other people's stuff in his care, custody & control. If not, you're uninsured. Sorry!<br><b>References : </b><br> The homeowners policy has LIMITED coverage for a boat and it’s eqiupment. The way the standard policy reads, there’s coverage up to $1,000 for any watercraft and equipment, while on the premises listed on the policy (at home). Unfortunately, once it’s off your premises, it’s not covered AT ALL, and neither is the equipment.

Hopefully, you had it insured under a boat owners policy, and the equipment as well. If not, you can always see if the boat mechanic has a marina policy that covers other people’s stuff in his care, custody & control.

If not, you’re uninsured. Sorry!
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]]> By: Manu http://www.stcsolutions.net/boat-insurance/would-home-insurace-coverage-cover-for-the-equipment-lost-in-my-boat/comment-page-1#comment-3251 Manu Sun, 14 Mar 2010 15:03:59 +0000 http://www.stcsolutions.net/boat-insurance/would-home-insurace-coverage-cover-for-the-equipment-lost-in-my-boat#comment-3251 Yes, most homeowners forms contain deductible provisions applicable to losses occurring under Section I (Section I losses include (a) dwelling, (b) appurtenant structure, (c) unscheduled personal property, and (d) additional living expenses. The type and amount of deductible varies by company. Deductible provisions do not apply to Section II losses (Section II losses include personal liability [bodily injury and property damage] and medical payments to others). Some companies offer an optional deductible applicable only to wind or hail losses. Most offer higher deductible options such as $500 or $1,000 at a reduced premium.<br><b>References : </b><br>http://www.ratedetective.com.au/insurance/life-insurance Yes, most homeowners forms contain deductible provisions applicable to losses occurring under Section I (Section I losses include (a) dwelling, (b) appurtenant structure, (c) unscheduled personal property, and (d) additional living expenses. The type and amount of deductible varies by company. Deductible provisions do not apply to Section II losses (Section II losses include personal liability [bodily injury and property damage] and medical payments to others). Some companies offer an optional deductible applicable only to wind or hail losses. Most offer higher deductible options such as $500 or $1,000 at a reduced premium.
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http://www.ratedetective.com.au/insurance/life-insurance

]]> By: jeff m http://www.stcsolutions.net/boat-insurance/would-home-insurace-coverage-cover-for-the-equipment-lost-in-my-boat/comment-page-1#comment-3250 jeff m Sun, 14 Mar 2010 14:35:59 +0000 http://www.stcsolutions.net/boat-insurance/would-home-insurace-coverage-cover-for-the-equipment-lost-in-my-boat#comment-3250 If it was stolen from your home...maybe but it wasn't. That sucks bro. I would look into the shop being responsible. I'm no insurance agent.<br><b>References : </b><br> If it was stolen from your home…maybe but it wasn’t. That sucks bro. I would look into the shop being responsible. I’m no insurance agent.
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