Perhaps this thread is a bit long and scraggly by now... But I can't think of a more appropriate instance where "Your Mileage May vary" connects with "Get it in WRITING". I have a special rider on my homeowner's policy to cover items I use professionally...computer gear for my writing and teaching...musical gear for my income as a working musician. I am covered, partially, by homeowners for any and all of these items under certain circumstances...but to be sure I am covered for replacement value under the widest array vs. acceptable risk, I have specific riders and I pay extra. I've had to file on stolen laptops, amplifiers destroyed by airlines, etc. and my riders have been worth every penny. They are also part of my tax claim against income. My kayak and related gear is a significant expense. Even if it depreciates in 'actual' value, my replacement cost escalates. My rider covers a wide array of damage, vandalism and theft. You pays your money, you takes your chances. Assume what you want or what your field agent tells you over the phone if you'd like, but you take your chances there, too. An alternate practice might be to set aside a like dollar amount that you'd pay in premiums to a special 'kayak protection & replacement fund"...you're betting that you'll save as much to replace before an actual theft or incident occurs, and the money never leaves your access or control. -Will *************************************************************************** PaddleWise Paddling Mailing List - Any opinions or suggestions expressed here are solely those of the writer(s). You must assume the entire responsibility for reliance upon them. All postings copyright the author. Submissions: PaddleWise_at_PaddleWise.net Subscriptions: PaddleWise-request_at_PaddleWise.net Website: http://www.paddlewise.net/ ***************************************************************************Received on Thu Oct 03 2002 - 18:09:33 PDT
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