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A course they leave off the obvious - -firearms. Wouldn't want to come accross as pro-gun or anything now would you MSN?
Tossing money into a dozen different forms of insurance that you might not ever need is just stupid. There's already fire insurance, flood insurance, termite insurance, etc. Soon there will be insurance for your insurance. Aside from the basics, it's a waste of money. Put your money into savings, don't give it to some 'for profit' company that will fight you when it comes time to replace something.
Insurance is nothing but legalized crime! I'll take my chance. You do know that if jewelry or tools are stolen, they will only cover your loss if the thief was a leprechaun or the tooth fairy. I just filed a claim on my leaky roof,and was told they couldn't cover it. A tile had to be either blown off or ripped off by the hand of god himself. And the biggest scam of all is car insurance. I really don't understand why we Americans have let them get away with so much.
inquiries about gun safes, storage of ammunition, etc. I have the terrible fear that sooner rather than later you may face losing your liability/umbrella coverage if you have guns or, if you are lucky, get to pay major bucks in premiums in order to own weapons. And of course Uncle Sam no doubt is going to tax gun insurance premiums. Wow, gun control we can all believe in. The poor and middle class won't be able to afford legal guns if the administration crams mandatory liability insurance requirements down our throats. But the rich will continue to be able to afford them. Is this a great country or what???
Pets are a household item? Specialty tools? Really? If you want to protect your computers, instead of paying random money-sucki-- I mean, insurance companies, just save the money to replace the item. Trust me, it will be a LOT cheaper when the time comes to replace it.
Do not forget to keep all your receipts when the insurance companiy tells you they are sending an adjuster to deplete the replacement value of your valuables. They will attempt to cheat you out of anything they can. Depreciation, deductables and on a replacement value policies is a oxy-moron statement. There is nothing on this list that they will give you what it cost to replace that item.
It is more than likely this article was written by a reporter paid to speak on behalf of the Insurance company wanting to beeef up their profits.
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