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#1
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Homeowners insurance accuracy of initial application?
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. |
#2
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Homeowners insurance accuracy of initial application?
"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. |
#3
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Homeowners insurance accuracy of initial application?
On Sat, 16 May 2009 15:44:30 -0700, "scorpster"
wrote: 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. Find another agent. This one is deliberately putting in wrong information to get a lower rate quote. He wants to make sure you buy the policy from him so he gets his commission. He doesn't care that by falsifying info on that application, the policy may prove worthless when you need it most. It doesn't matter how great a price you get on insurance if it isn't going to cover you when things go pear shaped. |
#4
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Homeowners insurance accuracy of initial application?
"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. I agree with salty (2nd response to your question). Run away from that agent. He's not doing you any favors. |
#5
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Homeowners insurance accuracy of initial application?
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. |
#6
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Homeowners insurance accuracy of initial application?
"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? |
#7
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Homeowners insurance accuracy of initial application?
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. |
#8
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Homeowners insurance accuracy of initial application?
In article ,
RLM wrote: 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. Or this... http://www.sentrysafe.com/products/p...tail.aspx?s=27 -- "Distracting a politician from governing is like distracting a bear from eating your baby." --PJ O'Rourke |
#9
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Homeowners insurance accuracy of initial application?
"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. |
#10
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Homeowners insurance accuracy of initial application?
On Sat, 16 May 2009 21:02:44 -0400, Kurt Ullman wrote:
In article , RLM wrote: 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. Or this... http://www.sentrysafe.com/products/p...tail.aspx?s=27 I have a couple of safes much like those too. One uses combination to open, one a key. Both will withstand a fire for a couple of hours, so the paperwork states. I hope never to find out first hand. |
#11
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Homeowners insurance accuracy of initial application?
"John Grabowski" wrote in
: "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. taking pictures of everything and putting them in a safe deposit box Just take them with a digital, put in a folder structure (by inside, outside, room, whatever), zip it with "save full path info" and email it to yourself at like Yahoo. It's then there all nice and safe and accessable from anywhere. They do the safekeeping and backups. I've had emails sit there for years in a folder. |
#12
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Homeowners insurance accuracy of initial application?
RLM wrote:
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. CDs cost money. A Gmail address is free. Gmail allows up to 8Gigs of storage (last I heard). Send an email to yourself with the pictures in a ZIP file attachement. The documents are, like Elvis, out of the building. They are accessible anywhere to anybody with the password. They are easily updatable. Where's the bad? |
#13
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Homeowners insurance accuracy of initial application?
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. |
#14
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Homeowners insurance accuracy of initial application?
"Kurt Ullman" wrote in message ... In article , RLM wrote: 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. Or this... http://www.sentrysafe.com/products/p...tail.aspx?s=27 The back end of our house burned about 10 years ago and we had documents and pictures of household items in a fireproof box (see below). The fire burned through a bedroom floor and the box ended up in the basement but all pictures and documents survived. The box is a bit malformed and blackened but works and we still use it today. http://tinyurl.com/7t36fk ~~~~~~~~~~~~~~~~~~~~~~~~~~ http://www.sentrysafe.com/products/p...i_ p=CartView |
#15
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Homeowners insurance accuracy of initial application?
"scorpster" wrote in message ... 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? Doubt they would not pay for a fire because you have an extra dog, but they may not pay for a pool injury if you have the wrong type listed. Maybe your agent is trying to slip in a low ball price? If the application looks like fraud, claims may be in jeopardy. |
#16
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Homeowners insurance accuracy of initial application?
On Sat, 16 May 2009 21:10:03 -0500, HeyBub wrote:
RLM wrote: 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. CDs cost money. A Gmail address is free. Gmail allows up to 8Gigs of storage (last I heard). Send an email to yourself with the pictures in a ZIP file attachement. The documents are, like Elvis, out of the building. They are accessible anywhere to anybody with the password. They are easily updatable. Where's the bad? I already own a dozen re-writeable CD's that can be copied and erased over and over like floppy discs. Nothing wrong with online storage. I offered it because I'm sure I'm not the only one that has them setting around. |
#17
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Homeowners insurance accuracy of initial application?
"gilb" wrote in message ... The back end of our house burned about 10 years ago and we had documents and pictures of household items in a fireproof box (see below). The fire burned through a bedroom floor and the box ended up in the basement but all pictures and documents survived. The box is a bit malformed and blackened but works and we still use it today. http://tinyurl.com/7t36fk ~~~~~~~~~~~~~~~~~~~~~~~~~~ I noticed this in the ad. Not sure if it means what I think, but you may need it replaced. "Lifetime after-fire replacement guarantee." The fire profing may depend on the moistur in the insulating material between the walls of the safe. Once boiled out, it is not very efffective any more. |
#18
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Homeowners insurance accuracy of initial application?
On Sat, 16 May 2009 21:10:03 -0500, "HeyBub"
wrote: RLM wrote: 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. CDs cost money. A Gmail address is free. Gmail allows up to 8Gigs of storage (last I heard). Send an email to yourself with the pictures in a ZIP file attachement. The documents are, like Elvis, out of the building. They are accessible anywhere to anybody with the password. They are easily updatable. Where's the bad? Gmail storage, being free, can dissapear at any time with no recourse.. |
#19
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Homeowners insurance accuracy of initial application?
On Sat, 16 May 2009 23:03:58 -0400, RLM wrote:
On Sat, 16 May 2009 21:10:03 -0500, HeyBub wrote: RLM wrote: 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. CDs cost money. A Gmail address is free. Gmail allows up to 8Gigs of storage (last I heard). Send an email to yourself with the pictures in a ZIP file attachement. The documents are, like Elvis, out of the building. They are accessible anywhere to anybody with the password. They are easily updatable. Where's the bad? I already own a dozen re-writeable CD's that can be copied and erased over and over like floppy discs. Nothing wrong with online storage. I offered it because I'm sure I'm not the only one that has them setting around. Rewriteable CDs are getting harder to find - but rewritable DVDs are available everywhere (and for less than the rewriteable CDs. |
#20
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Homeowners insurance accuracy of initial application?
"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. |
#21
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Homeowners insurance accuracy of initial application?
As far as making sure my important files survive a fire.. I use Carbonite
online backup to keep my entire drive contents securely backed up in a remote location.. works pretty well. I had my brother sign up for it too, and it rescued all his data when his laptop hard drive crashed. |
#22
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Homeowners insurance accuracy of initial application?
On Sat, 16 May 2009 23:55:12 -0400, clare wrote:
On Sat, 16 May 2009 23:03:58 -0400, RLM wrote: On Sat, 16 May 2009 21:10:03 -0500, HeyBub wrote: RLM wrote: 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. CDs cost money. A Gmail address is free. Gmail allows up to 8Gigs of storage (last I heard). Send an email to yourself with the pictures in a ZIP file attachement. The documents are, like Elvis, out of the building. They are accessible anywhere to anybody with the password. They are easily updatable. Where's the bad? I already own a dozen re-writeable CD's that can be copied and erased over and over like floppy discs. Nothing wrong with online storage. I offered it because I'm sure I'm not the only one that has them setting around. Rewriteable CDs are getting harder to find - but rewritable DVDs are available everywhere (and for less than the rewriteable CDs. I used to put Linux on the re-writeable CD's, so I've had them a long time. Now the Distro's are on DVD's so I use them now. Don't use the CD's much but they are great for this aplication. Putting them online is something I hadn't thought about until it was brought up in this forum. I use a portable hard drive to backup 5 computers here at home also. I have over 10GB of USB fobs that use SD memory within arms reach that we use to share a lot of family pictures with family that lives out of state by mailing them back and forth. Storage is what you have handy and is already payed for. Cheap to mail. I've seen some good ideas in this thread. |
#23
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Homeowners insurance accuracy of initial application?
On Sat, 16 May 2009 23:03:58 -0400, RLM wrote:
On Sat, 16 May 2009 21:10:03 -0500, HeyBub wrote: RLM wrote: 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. CDs cost money. A Gmail address is free. Gmail allows up to 8Gigs of storage (last I heard). Send an email to yourself with the pictures in a ZIP file attachement. The documents are, like Elvis, out of the building. They are accessible anywhere to anybody with the password. They are easily updatable. Where's the bad? I already own a dozen re-writeable CD's that can be copied and erased over and over like floppy discs. Nothing wrong with online storage. I offered it because I'm sure I'm not the only one that has them setting around. Regular CDR's that are not rewriteable are actually more stable for long term storage. They are extremely cheap these days. You can burn an awful lot of standard CDR's for the price of one rewriteable, and they are more likely to be readable 5 or 10 years from now. If you really want to get silly, there are "medical CDR's" that are more expensive, but are stable for much longer. My suggestion is to make several copies to standard CD's and keep them in a few locations. Keep a copy on your computer, too. Heck, one under the drivers seat of your car would probably be okay, too. Not the glove box, which gets much hotter. No single storage method is completely secure. Best to have it stored in multiple places. A cd in your desk drawer at work, one at a friend or neighbor's house, etc. Storing an additonal copy on your email account is nice, but even the biggest ISP's have had data disasters, and they have also changed hands and deleted accounts or discontinued service for no apparent reason. None of them are too big to fail or change. |
#24
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Homeowners insurance accuracy of initial application?
In article ,
RLM wrote: http://www.sentrysafe.com/products/p...tail.aspx?s=27 Oops. Wrong URL. I meant to send people to the one for the fire/water resistant HARD DRIVE. http://preview.tinyurl.com/3kv95c -- "Distracting a politician from governing is like distracting a bear from eating your baby." --PJ O'Rourke |
#25
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Homeowners insurance accuracy of initial application?
scorpster wrote:
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. It reminds me of an old Alan King bit. He said he had a small fire in his house and called his insurance agent to initiate a claim. The agent looked up his policy and said, "I see here that you have our Fire and Theft policy." King acknowledged that that was what he had. "OK, let's see, said the agent,"was anything stolen?" "No," replied King, "just fire damage." The agent said he was sorry, but a claim wasn't possible. "What do you mean, I can't make a claim?" replied King, "I had a FIRE." "I understand," replied the agent, "but in order to be covered, you would need to have our Fire OR Theft policy." |
#26
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Homeowners insurance accuracy of initial application?
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#27
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Homeowners insurance accuracy of initial application?
RLM wrote:
On Sat, 16 May 2009 21:10:03 -0500, HeyBub wrote: RLM wrote: 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. CDs cost money. A Gmail address is free. Gmail allows up to 8Gigs of storage (last I heard). Send an email to yourself with the pictures in a ZIP file attachement. The documents are, like Elvis, out of the building. They are accessible anywhere to anybody with the password. They are easily updatable. Where's the bad? I already own a dozen re-writeable CD's that can be copied and erased over and over like floppy discs. Nothing wrong with online storage. I offered it because I'm sure I'm not the only one that has them setting around. Re-writable optical media is probably the worst possible choice for reliability (next to floppies). |
#28
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Homeowners insurance accuracy of initial application?
"George" wrote in message
... RLM wrote: On Sat, 16 May 2009 21:10:03 -0500, HeyBub wrote: RLM wrote: 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. CDs cost money. A Gmail address is free. Gmail allows up to 8Gigs of storage (last I heard). Send an email to yourself with the pictures in a ZIP file attachement. The documents are, like Elvis, out of the building. They are accessible anywhere to anybody with the password. They are easily updatable. Where's the bad? I already own a dozen re-writeable CD's that can be copied and erased over and over like floppy discs. Nothing wrong with online storage. I offered it because I'm sure I'm not the only one that has them setting around. Re-writable optical media is probably the worst possible choice for reliability (next to floppies). Even the write-once media got some bad press a few years ago in InfoWorld and/or PC World. |
#29
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Homeowners insurance accuracy of initial application?
"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. Then fix it. If your non-documented dog bites someone who then sues you, your insurance may not cover. Don't take this needless risk. |
#30
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Homeowners insurance accuracy of initial application?
On Sun, 17 May 2009 14:07:39 -0400, wrote:
On Sun, 17 May 2009 08:51:18 -0400, wrote: Regular CDR's that are not rewriteable are actually more stable for long term storage. They are extremely cheap these days. You can burn an awful lot of standard CDR's for the price of one rewriteable, and they are more likely to be readable 5 or 10 years from now. If you really want to get silly, there are "medical CDR's" that are more expensive, but are stable for much longer. Or "archival DVD" Yes, but the easiest way to find a source is to look for them as "Medical CD" or "Medical DVD" |
#31
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Homeowners insurance accuracy of initial application?
On Sun, 17 May 2009 15:10:39 -0400, "JoeSpareBedroom"
wrote: "George" wrote in message ... RLM wrote: On Sat, 16 May 2009 21:10:03 -0500, HeyBub wrote: RLM wrote: 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. CDs cost money. A Gmail address is free. Gmail allows up to 8Gigs of storage (last I heard). Send an email to yourself with the pictures in a ZIP file attachement. The documents are, like Elvis, out of the building. They are accessible anywhere to anybody with the password. They are easily updatable. Where's the bad? I already own a dozen re-writeable CD's that can be copied and erased over and over like floppy discs. Nothing wrong with online storage. I offered it because I'm sure I'm not the only one that has them setting around. Re-writable optical media is probably the worst possible choice for reliability (next to floppies). Even the write-once media got some bad press a few years ago in InfoWorld and/or PC World. Some brands are markedly more reliable than others. Verbatim are excellent. |
#32
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Homeowners insurance accuracy of initial application?
On Sun, 17 May 2009 15:08:44 -0400, George
wrote: RLM wrote: On Sat, 16 May 2009 21:10:03 -0500, HeyBub wrote: RLM wrote: 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. CDs cost money. A Gmail address is free. Gmail allows up to 8Gigs of storage (last I heard). Send an email to yourself with the pictures in a ZIP file attachement. The documents are, like Elvis, out of the building. They are accessible anywhere to anybody with the password. They are easily updatable. Where's the bad? I already own a dozen re-writeable CD's that can be copied and erased over and over like floppy discs. Nothing wrong with online storage. I offered it because I'm sure I'm not the only one that has them setting around. Re-writable optical media is probably the worst possible choice for reliability (next to floppies). Really?? Still a heck of a lot better than magnetic tape - or NVRam. The big drawback to today's rewritables for archival use is they CAN be erased and over-written or altered while write-once media cannot. Then of course there is the issue of poor quality Chinese Crap being passed off as quality media - but that's a totally different story. |
#33
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Homeowners insurance accuracy of initial application?
On Sun, 17 May 2009 16:04:02 -0400, "Dimitrios Paskoudniakis"
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. Then fix it. If your non-documented dog bites someone who then sues you, your insurance may not cover. Don't take this needless risk. And warn your agent/broker to be sure his E&O coverage is up to date. He may be needing it if this is his common MO. |
#34
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Homeowners insurance accuracy of initial application?
On Sat, 16 May 2009 21:22:28 -0700, "scorpster"
wrote: As far as making sure my important files survive a fire.. I use Carbonite online backup to keep my entire drive contents securely backed up in a remote location.. works pretty well. I wouldn't count on that. I believe Dick Cheney is there right now, reading and editing them. I had my brother sign up for it too, and it rescued all his data when his laptop hard drive crashed. |
#35
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Homeowners insurance accuracy of initial application?
"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. Ask your broker, not us. Who the heck are we that you would potentially jeopardize your (and your family's) financial future over? If for some inexplicable reason you don;t trust your broker, talk to your local, municipal, state/province or federal regulator In cases like this it's always good to get a real and professional opinion. |
#36
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Homeowners insurance accuracy of initial application?
On May 16, 6:44�pm, "scorpster" wrote:
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. if you have a claim the company can claim insurance fraud and not pay anything.... insurance fraud is serious. you can go to jail, although in these examples they may just not pay. the broker just wants the comission |
#37
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Homeowners insurance accuracy of initial application?
On Sun, 31 May 2009 07:57:55 -0700 (PDT), bob haller
wrote: On May 16, 6:44?pm, "scorpster" wrote: 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. if you have a claim the company can claim insurance fraud and not pay anything.... insurance fraud is serious. you can go to jail, although in these examples they may just not pay. the broker just wants the comission My daughter is a registered broker - and this kind of practice is SERIOUS. There are unscrupulous brokers out there who will do ANYTHING to write a policy, for the small commission involved. They can lose a LOT by pulling those tricks. They want to be sure their E&O insurance is paid up - and if they get caught once too often, they may be unable to GET E&O insurance in the future. |
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