Received: from hplms26.hpl.hp.com by opus.hpl.hp.com with SMTP (1.37.109.8/15.5+ECS 3.3+HPL1.1) id AA04207; Tue, 20 Feb 1996 13:48:42 -0800 Return-Path: <jackg@crc.ricoh.com-DeleteThis> Received: from gateway.crc.ricoh.com by hplms26.hpl.hp.com with SMTP ($Revision: 1.36.108.11 $/15.5+ECS 3.3+HPL1.1S) id AA194732921; Tue, 20 Feb 1996 13:48:41 -0800 Received: by gateway.crc.ricoh.com; id AA00599; Tue, 20 Feb 96 13:44:48 PST Received: from congo.crc.ricoh.com(192.80.10.239) by gateway.crc.ricoh.com via smap (g3.0.3) id xmaa00594; Tue, 20 Feb 96 13:44:36 -0800 Received: from downhaul.crc.ricoh.com (downhaul.crc.ricoh.com [192.80.10.193]) by congo.crc.ricoh.com (8.7.3/8.7.3) with ESMTP id NAA17237 for <wind_talk@opus.hpl.hp.com-DeleteThis>; Tue, 20 Feb 1996 13:44:38 -0800 (PST) Received: from downhaul.crc.ricoh.com (localhost [127.0.0.1]) by downhaul.crc.ricoh.com (8.7.3/8.7.3) with ESMTP id NAA13047 for <wind_talk@opus.hpl.hp.com-DeleteThis>; Tue, 20 Feb 1996 13:44:35 -0800 (PST) Message-Id: <199602202144.NAA13047@downhaul.crc.ricoh.com-DeleteThis> To: wind_talk@opus.hpl.hp.com-DeleteThis Subject: Insurance (was Re: visa repair ) In-Reply-To: Your message of "Mon, 19 Feb 1996 14:53:15 PST." <199602192240.OAA12618@jalama.eng.sun.com-DeleteThis> Date: Tue, 20 Feb 1996 13:44:34 -0800 From: Jack Greenbaum <jackg@crc.ricoh.com-DeleteThis>
On Mon, 19 Feb 1996 14:53:15 PST Jim Paugh wrote:
> From hoagland@sfgate.com-DeleteThis Mon Feb 19 11:43:03 1996
[...]
> > A good renters or homeowners personal property policy is invaluable
> > for covering your gear against loss or theft.>
[...]
> A couple of things to be aware of. I shopped around when I got my
> renters insurance, and found that all of them only give 10% of the
> coverage outside of my house. So when on the road with all of my
> equipment, my $50,000 policy covers a maximum of $5000.
Really do talk to your agent folks. Homeowners policies typically cover
theft. Loss from damage (like some idiot cuts you off on 101 and you
rollover smashing all your boards, racks and sails in the rack-top box,
but walk away because you were wearing a seatbelt, or the movers drop
your T.V. off the truck) is a different thing from theft, and not
covered under most policies. Also, most auto policies have limits on
sporting equipment, so that doesn't typically do it for our gear
intensive sport either.
On Mon, 19 Feb 1996 12:13:15 PST Gary Ward wrote:
> Read the find print of your policy. How windsurfing equipment is viewed
> varies considerably from one insurance company to the next. Some classify
> windsurfers as boats and require a boat policy per board, which is prohibitab
> ly
> expensive (the insurance costs more than the replacement cost) while others
> consider it recreational equipment and cover it with other household stuff.
Insuring your windsurf gear with State Farm under a watercraft policy is
not prohibitably expensive. They used to treat each board as a hull, but
they no longer do that. It's stricly a dollar value thing now. My policy
is about 2% of value per year with a probably too low deductable. If you
need a knowledgable agent and live near Los Gatos then call Crystal
Downs at 408-374-0760. NOTE: I'm just a satisfied customer.
Jack Greenbaum -- Research Engineer, Ricoh California Research Center
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