Home Owners Insurance question. Concering DVD's

[LostHiWay]

Last night someone's house about 4 streets over from me was broken into. It got me to thinking what if it happened to me. I know that insurance will cover just about everything but I'm wondering about my DVD's. I have just about 650 now and still growing. I figured the avg price would be about $15.00 a piece so a total of about $10,000 worth. Now if someone broke into my house and stole them all would insurance cover them? Also how exactly can I prove that I had that many? It's not like I have all the receipts.

Any help?

 

[vi edit]

Video tape/take picutes of your collection. Some evidence is better than no evidence. I've heard from some people that's it's a "scouts honor" sort of system when it comes to replacing stolen items. 650 DVD's is pretty excessive, so you might have trouble making the insurance company believe you actually had that many.

I'd document the titles, and then take a picture/video taping of them to coicide with the documentation.

 

[Garet Jax]

Originally posted by: vi_edit
Video tape/take picutes of your collection. Some evidence is better than no evidence. I've heard from some people that's it's a "scouts honor" sort of system when it comes to replacing stolen items. 650 DVD's is pretty excessive, so you might have trouble making the insurance company believe you actually had that many.

I'd document the titles, and then take a picture/video taping of them to coicide with the documentation.

Agreed.

If you are that worried about it, I would take a picture with all the DVDs (multiple if you need to), a current newspaper with the date clearly visible, and then prepare an itemized list of all the DVDs so when they ask which ones you had, you can respond easily.

 

[rahvin]

Ya know, why don't you call your agent? That is what they get paid to do, answer questions. It all depends on your policy and only your agent is qualified to make an assesment.

 

[vi edit]

If you are that worried about it, I would take a picture with all the DVDs (multiple if you need to), a current newspaper with the date clearly visible, and then prepare an itemized list of all the DVDs so when they ask which ones you had, you can respond easily.

Wow! Excellent idea on the newspaper! Never really thought of that.

 

[kami]

Yep, you need pics Before I moved my like $10k of crap into the dorms I was told to take pics so it could be covered on my mom's insurance. I took a LOT of pics, burned em to a CD which I left at home in case this place ever gets broken into. I also took pics of me WITH the stuff for further proof.

 

[RossMAN]

Here's what I would do:

1) Call your insurance agent and ask them, that's what they get paid to do ... it's called customer service Also ask them if you want to catalog your DVDs, what kind of proof do they require so they'd honor a claim if one were ever filed?

2) Take pictures of your DVD collection along with a newspaper clearly showing the date.

3) Go one step further and catalog all your DVDs if you haven't already with DVDProfiler.com

 

[mpitts]

Talk to your agent and see what kind of coverage you have. The wife and I have had to up our premium a couple of times due to a widescreen TV and multiple computer purcahses.

As long as you have pictures of the items that you are concerned about, that is usually good enough for proof of ownership if they are ever stolen.

 

[Ameesh]

put em on dvd profiler.

 

[royaldank]

650 DVDs? Of that, do you think you'll ever watch more than 50 of those again? Or did you watch them all in the first place?

I'd agree on calling your agent. I'm sure he'll give you the most accurate response since he's in charge of your account and would ultimately make the decision anyway.

 

[LostHiWay]

Well I took everyone's advice and called my agent. He added the 650 DVD's to my policy. I was surprised that the premium only went up $22 a year. Can't beat that!

 

[cherrytwist]

LostHiWay

What was that address again???