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Steve Jonesi

Posted 3/5/2007 9:14 AM (#242895 - in reply to #242597)
Subject: Re: Insurance

Posts: 2089

As a full time Agent in the insurance industry, I deal with this stuff on a daily basis.Having multiple vehicles with one carrier will / should qualify you for discounts.Replacement value or ACV?Different companies will have different options for covering equipment.If I understand this correctly, are you saying you have 50K in coverage on 20K of personal property?If this is the case, it appears you may be over-insured.Insuring equipment is only part of the equation.Make very sure that your LIABILITY limits are in line and will be able to protect your assets should something horrible happen, your fault or not.Court is no fun.Also, consider an umbrella policy, which is relatively cheap and will cover you past regular liability limits.Most umbrella policies start at 1mil. Hope this helps.Call or pm with any specifics I may be able to address. Steve