(Topic ID: 159525)

Home Owners Insurance Covers Pinball Machines?

By EricHadley

7 years ago


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  • 103 posts
  • 43 Pinsiders participating
  • Latest reply 6 years ago by MrBally
  • Topic is favorited by 10 Pinsiders

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    #3 7 years ago

    You have to add them to your insurance. Pictures, descriptions, value and serial numbers.

    #16 7 years ago
    Quoted from gliebig:

    Mine are covered under my personal property and are part of that limit (~$435k). Mine may have a value around $20k, so there is no problem there. There is no schedule for pinball machines with my company as there is with jewelry/coins/watches/furs/firearms/arts etc....
    Coverage shouldn't be an issue unless your pin value is a significant percentage of your personal property coverage and then you can always increase your personal property coverage for an extra premium if needed.

    Sure there covered until your house burns down and you have no prof of what games you had. Lets see what happens then. My one friend thought the same. He got $800 from his insurance on a $3500 pin.

    #48 7 years ago
    Quoted from EricHadley:

    My issue with insurance companies is they will verbally say yeah no problem, it's covered. Then you read the extremely long policy contract and it seems like there are lots of loop holes on what is and is not covered. There are aways limits of jewelry, computers, and other random crap. So I basically do not trust anything they say to me verbally, and I'll bet you anything they would not fully cover, or come anywhere close to it, the value of the pinball machines. Has anyone on here had an incident where they actually had to use insurance on their machines? If so how did that go? I think for me it's worth it to schedule them and pay whatever extra that costs. This way it's in writing, which is the only way I will know they are covered. Having an agent tell me verbally doesn't do it for me at all.

    Yes, a friend of mine had a house fire and lost his restored Haunted House. He had paid $3500. For it. He got $800. From his insurance company. This was a few years ago. The game didn't burn but was smoke damaged and everything was covered in black soot. Plastics melted and backglass shattered.

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