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Andrew Zuber Inner circle Los Angeles, CA 3014 Posts |
Quote:
On Jul 7, 2015, arthur stead wrote: You must have been living in Renton at the time My parents' house in Bellevue was broken into about eight years ago and I don't remember how that was all resolved, though I know the deadbolt was locked as that was the only lock on the door. I always lock the bottom locks when I leave but if I'm just running out for a quick errand, I don't usually do the top lock (dumb logic, kinda like not wearing a seatbelt because you're only driving 30 feet but I never said I was smart.) We don't ever leave the place unlocked. Given how shady insurance companies seem to sometimes be, are they even going to give you a straight answer if you call and ask that question?
"I'm sorry - if you were right, I would agree with you." -Robin Williams, Awakenings
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arthur stead Inner circle When I played soccer, I hit 1773 Posts |
Quote:
On Jul 7, 2015, Andrew Zuber wrote: At the time I was living in Boston, near Fenway Park. Lots of senior citizens and college students rental apartments, thus not a lot of tax income for the city ... and therefore not a lot of police protection. |
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lunatik Inner circle 3225 Posts |
When I purchased renters insurance many years ago, they didn't mention anything about if a deadbolt was not used that the claim may be denied. But, what I did instead was I had a security screen door installed. The handle was keyed as was the dead bolt but the dead bolt was keyed on both sides in case they somehow got their hand on the inside, they wouldn't be able to unlock it. On nice summer nights, I felt 100% safe leaving the front door wide open with the security door locked. I spent a little over $100 on the door and its bought peace of mind for me.
"Don't let your Dreams become Fantasies"
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funsway Inner circle old things in new ways - new things in old ways 9982 Posts |
From my experience as a homeowner and landlord, the filing of a police report may be critical to the claim and success thereof.
If your home is not reasonably secure then a theft or vandalism may be considered "robbery," while forcibly getting past a deadbolt or breaking a window will elevate the theft to "burglary." The latter is also more likely to have incriminating clues that a robbery, the assumption by the police or DA is that if you did not take adequate precautions you "deserve what happened." Thus, the insurance company will wait until they see what the police and DA do as a possible excuse for not a paying a claim. Some insurance companies will give a discount for having an reporting alarm system. Partially this is based on a belief that such will decrease the likelihood of theft. The other reason is that unless you can prove you always turn it on they can refuse to pay. The presence of a roommate may make this "proof" impossible. On our rental homes we make the deadbolt locking automatic and mandatory, i.e. if you close the door you need a key to get in. To leave the door open is cause for eviction. None the less, if a tenant claims a TV was stolen the Insurance will not pay if they ever allowed someone else in the house. In addition, because of the alleged increase in robberies in one neighborhood the insurance company raised the deductible from $500 to $1200, and the local DA announced that a landlord should charge a large enough security deposit to cover theft. If you are looking for "peace of mind" then normal insurance will not provide that. You cna look into business insurance if you work at home, even part time. Policies are available that pay "without question" if your work income is altered because of theft/damage. A "keyman" insurance policy will also pay if you are injured during a crime (loss of productive capacity.) However, some will not allow you to insure yourself. But, your Mom can buy one for you on the claim that you might return home if injured or impoverished.
"the more one pretends at magic, the more awe and wonder will be found in real life." Arnold Furst
eBooks at https://www.lybrary.com/ken-muller-m-579928.html questions at ken@eversway.com |
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lunatik Inner circle 3225 Posts |
So no one is ever allowed into your house if a claim of your tv is being made? How dumb is that? I'd find a new insurance company as it looks like they're looking for ANY excuse not to pay.
"Don't let your Dreams become Fantasies"
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lunatik Inner circle 3225 Posts |
Quote:
On Jul 8, 2015, lunatik wrote: Also, what kind of place needs automatic locking deadbolts? Is this in the ghetto?
"Don't let your Dreams become Fantasies"
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ClintonMagus Inner circle Southwestern Southeast 3997 Posts |
I have received slight decreases in premium because I had deadbolts, etc., but I have never been denied a claim because of the presence/absence thereof.
Things are more like they are today than they've ever been before...
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rockwall Special user 762 Posts |
I suspect most of what funsway says depends on the insurance company. Again, do your research and find out what other peoples experiences have been with the insurance company you are looking to purchase from.
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rockwall Special user 762 Posts |
I'll give you a fer instance.
I own a 'relatively' expensive road bike which I plan to travel with. I was interested in protecting it and saw that I could purchase bike insurance from USAT. (USA Triathlon) However, after reviewing the policy, I found that it was nearly useless because it had so many exceptions, rules, etc. Here's a really good analysis of how useless the insurance really is: http://www.dcrainmaker.com/2011/02/look-......pro.html So I did some searching and found out that USAA will cover my bike under my homeowners policy. It covers the bike whether it is stolen from my home or from a hotel room I might be staying at or stolen off the back of my car. (Minus the deductible.) Then I called USAA and asked about exclusions and they essentially said there weren't any. If the bike is stolen, it's covered. Then I searched message boards about people who talked about their experiences with claims on stolen bikes and found multiple people saying that USAA covered their stolen bike with no problems. |
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wwhokie1 Special user 512 Posts |
Just contact your insurance company and ask, but you better have it in writing. It will vary depending on your insurance company and where you live. The church I grew up in never locked their doors, they wanted people to have access to the church anytime 24-7. Of course there was nothing of value in the church years ago. Today they have video and sound equipment, TV's and computers. They still refuse to lock the doors at any time, the insurance company agreed that it was not an issue and put it in their policy that they did not have to lock the doors. They have never had a problem. But then again they are located in a rural area with low crime. It really depends on what the company is willing to do. Ask, and maybe shop around.
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