I'm getting renter's insurance!
But I have no idea how to ensure my collection stays safe.
BOOOOOOOOOOOO.
Long and short of it is that me and my roommate are getting renter's insurance, entirely due to the fact of my collection and little else. The entire insurnace process appears to be autonomous and we're given a lot of "keep receipts!" information, and take pictures of stuff. Now I'm about to lay out every piece of my collection and take a photo of everything. I'm assuming it would be best to take an individual picture of each item, correct? Because I have a few games with variant covers and if something happens to this collection I'll be god damned if they just gave a "Well, it was two Street Fighter II's, but y'know, here's 5 bucks for both."
Anyone else have renter's insurance? This is my third forray into the world of collecting and I'll be god damned if I lose what I'm building again because cracked out piece of meth-mouth shit needs a quick fix and got into my house. Again.
Oh boy. I got sort of angry at something that has an incredibly low chance of happening again, but for some reason put a fire in my belly that told me to cleave the world in twain over material possessions...
So yeah. Do I take an individual photo of everything? I have virtually no receipts for anything purchased; in fact there are none at all outside a few scraps of eBay emails. More so, do I send the insurance company the photos, do I do multi angle photos of the same game? I'M AN ADULT WHO IS DAZED AND CONFUSED. SEND HELP. PLEASE.
Going to assume the attached photo isn't something that would be usable just to say "yeah, here's my SNES stuff, and action figures." and have it taken seriously.
http://puu.sh/idrZg/50d1dfd530.JPG
BOOOOOOOOOOOO.
Long and short of it is that me and my roommate are getting renter's insurance, entirely due to the fact of my collection and little else. The entire insurnace process appears to be autonomous and we're given a lot of "keep receipts!" information, and take pictures of stuff. Now I'm about to lay out every piece of my collection and take a photo of everything. I'm assuming it would be best to take an individual picture of each item, correct? Because I have a few games with variant covers and if something happens to this collection I'll be god damned if they just gave a "Well, it was two Street Fighter II's, but y'know, here's 5 bucks for both."
Anyone else have renter's insurance? This is my third forray into the world of collecting and I'll be god damned if I lose what I'm building again because cracked out piece of meth-mouth shit needs a quick fix and got into my house. Again.
Oh boy. I got sort of angry at something that has an incredibly low chance of happening again, but for some reason put a fire in my belly that told me to cleave the world in twain over material possessions...
So yeah. Do I take an individual photo of everything? I have virtually no receipts for anything purchased; in fact there are none at all outside a few scraps of eBay emails. More so, do I send the insurance company the photos, do I do multi angle photos of the same game? I'M AN ADULT WHO IS DAZED AND CONFUSED. SEND HELP. PLEASE.
Going to assume the attached photo isn't something that would be usable just to say "yeah, here's my SNES stuff, and action figures." and have it taken seriously.
http://puu.sh/idrZg/50d1dfd530.JPG
Comments
I recall hearing from Vinyl Collectors that the Home and or Renters insurance would not include album collection in a claim.
They had to purchase a separate plan for the collection.
I image large video game collections would be in the same camp.
Sometimes a .357 is much cheaper than insurance. It's what I prefer.
But that doesn't work against home fires,floods and when you're on vacation.
But yeah, thanks for the head's up. This is my first time dealing with an insurance that wasn't car or medical, so I'm really floaty and at a loss of what to look for in the fine print.
Originally posted by: SixFistedNinja
I've found ol' trusty to be my best friend. For some reason a Louisville Slugger with nails in it puts the fear of god in a person's eyes when you chase them down a hallway.
But yeah, thanks for the head's up. This is my first time dealing with an insurance that wasn't car or medical, so I'm really floaty and at a loss of what to look for in the fine print.
Unless it's somebody with a gun, then they laugh and put several holes in you and take all your shit.
But on topic, definitely ask your insurer if your collection would be covered, what you'd need to document it, provide proof of value, etc.
plus document everything so there wont be any usual question(s) later .. w/ a date and you in it
I would imagine that you have a few options. One would be if you had receipts, you could use them. Another would be a possible professional appraisal of your collection, say by a game store owner or something. Lastly, you could make a detailed spreadsheet of your collection and say the value of my collection is X. Then, use pictures as evidence that you own those items. Whether it is a collection worth $10,000 or a lamp worth $10,000, they are still getting the extra fee from you to cover it, so they will most likely do it.