(Topic ID: 159525)

Home Owners Insurance Covers Pinball Machines?


By WackyBrakke

3 years ago



Topic Stats

  • 103 posts
  • 43 Pinsiders participating
  • Latest reply 1 year ago by MrBally
  • Topic is favorited by 10 Pinsiders

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    #40 3 years ago

    This has been covered several times, if you search you'll be able to find all the answers. I'm an agent. Collectibles to us here isn't a collectible to an insurance adjuster. A penny from 1890 is worth $.01. You need to have something separate for anything collectible of value. With my company you are covered but not nearly for what you need to be covered at. It's a set replacement value of $500 because its considered commercial equipment. Other companies will classify it as electronics, which some will have set limits there. Others won't care. It will also vary state to state. The best thing you can do is have a separate policy for them. It was determined here on Pinside that there is a company that sells insurance on collectibles and that was the best route.

    And I'm going to say this again and I cannot stress this enough. When something happens, its not your Agent who deems something a covered loss, it is your adjuster/claims department. Check with them at your company.

    #47 3 years ago
    Quoted from flynnibus:

    Your insurance agent is not the underwriter who actually makes the decisions. I wouldn't trust the agent aka sales guy on any of the 'am I covered' questions.

    To kind of build off of what you said, yes, ask the underwriters directly. But you made it sound like the agent is just looking for a sale. I promise you, that will almost never be the case. If you are an agent like I am, you'll never say anything just to get a sale. An agent might be confused on a coverage, but ultimately, if something goes wrong, you're the person the customer will come to confront if its not covered. Not all sales guys are scumbags for the most part, that breed of salesman died with the internet.

    #54 3 years ago
    Quoted from flynnibus:

    I wasn't inferring that - only that the agent isn't the actual decision maker, he's the sales agent. Good intentioned or not, 'my agent said it was covered' will not change an outcome if the underwriters rule against you.

    Gotcha, just read it wrong through the text, I apologize.

    #66 3 years ago

    I'd be curious if they cover Flood. No homeowner's will cover a flood. Is it when your homeowner's is declined they too will decline?

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