Quote:
Originally Posted by Bill Murphy
I haven't reread this entire thread, but I have a question about a recent post that may be answered in past posts. If a "trophy" may be valued at $1000, and a replacement hunt may be valued at $150,000, do we or you want to pay the premium on $150,000? Would we feel comfortable placing a claim for $150,000 for a $1000 head stolen from our wall? Just askin'.
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Bill,
Your style bemuses me. I am the only person to bring up trophy insurance in this thread. So yes, the recent thread immediately preceding yours, is my attempt to enlighten others who may have a similar position to evaluate.
For me, adding my trophies to my insured value allowed me to increase my total insured value by $200K. Yet, I am only paying $100 in extra premium compared to Eastern. This is because of the tiered approach in pricing. Therefore, you see, this is a matter of math and risk evaluation which only each individual can determine if it is right for them (
we are not a collective purchasing coalition). As in anything insurance…….the risk/reward quotient will be dependent on each individual's perspective. I was merely giving mine.
As to the morality you questioned? I would lose no sleep submitting a claim if my trophies were lost in a fire/stolen, considering it was the agent/salesman who offered it in the first place. Their business offer was my pleasure to accept.
Hybrid Mode