"RLM" wrote in message
news
On Sat, 16 May 2009 21:16:51 -0400, JoeSpareBedroom wrote:

"RLM" wrote in message
news
On Sat, 16 May 2009 20:41:00 -0400, JoeSpareBedroom wrote:

"RLM" wrote in message
news On Sat, 16 May 2009 19:34:38 -0400, John Grabowski wrote:


"scorpster" wrote in message
...
We're shopping around for homeowners insurance as it appears we can
find
policies these days a lot cheaper than the one we have (might have
something to do with the real estate crash and insurance companies
trying
to boost their business). When I received the binder in the mail
from
our
broker, I had to correct some details that he wrote down
incorrectly.
For
example that the pool is in-ground (like I told him) and not
above-ground
(as in the app) etc. I told him that we have two dogs (both gentle
breeds) but he just noted one of the dogs on the binder application.
I
haven't corrected the dog part yet and I'm not sure if I should
bother
to
do so.

My question is, to what extent should I nit-pick about this form to
have
all the details 100% correct? I have the feeling that the broker is
not
as concerned about that as I am. But he has 1,000 times more
knowledge
about the homeowners insurance industry than I do. I am just
concerned
that if there is an incorrect detail if we have a major claim, like
if
the
house burns down, then I don't want the insurance co. to refuse to
cover
it because of some "seemingly" trivial question on the original form
is
not correct.


*Better to have it in there then not. Make sure that you mention
works
of
art, computers, TV's, stereos etc. Someone posted a response a few
weeks
ago here regarding a fire that a friend had. Based on his friend's
experience he advised taking pictures of everything and putting them
in
a
safe deposit box for insurance purposes. I thought that was
excellent
advice.

Burn them to rewritable CD's and give a copy to a family member that
doesn't live in the same end of town. Keep a copy of their's for them.
They can be updated over and over. Safe deposit boxes are not cheap.



My safe deposit box costs $38 per year. Seems cheap to me. What do you
consider cheap?

Family will keep a copy of a CD for free. Free is cheap! It's availible
on
weekends too! Day or night if need be. I also have a couple of fire
safes
in the house and live in a community with 24 hr. fire protection. So I
can
also keep a copy.



24 hour fire protection? Please describe in detail.

Firemen are paid to be at the fire house 24-7 not volunteers.



Oh. I thought you had some sort of unusual situation there.