Received: from hplms26.hpl.hp.com by opus.hpl.hp.com with ESMTP (1.37.109.18/15.5+ECS 3.3+HPL1.1) id AA299608105; Wed, 7 May 1997 11:01:45 -0700 Return-Path: <James.Paugh@Eng.Sun.COM-DeleteThis> Received: from venus.Sun.COM by hplms26.hpl.hp.com with ESMTP (1.37.109.16/15.5+ECS 3.3+HPL1.1S) id AA098468105; Wed, 7 May 1997 11:01:45 -0700 Received: from Eng.Sun.COM ([129.146.1.25]) by venus.Sun.COM (SMI-8.6/mail.byaddr) with SMTP id KAA09541 for <wind_talk@opus.hpl.hp.com-DeleteThis>; Wed, 7 May 1997 10:51:51 -0700 Received: from jurassic.eng.sun.com by Eng.Sun.COM (SMI-8.6/SMI-5.3) id KAA06128; Wed, 7 May 1997 10:51:48 -0700 Received: from jalama.eng.sun.com by jurassic.eng.sun.com (SMI-8.6/SMI-SVR4) id KAA00914; Wed, 7 May 1997 10:51:51 -0700 Received: by jalama.eng.sun.com (SMI-8.6/SMI-SVR4) id KAA03874; Wed, 7 May 1997 10:55:09 -0700 Date: Wed, 7 May 1997 10:55:09 -0700 From: James.Paugh@Eng.Sun.COM-DeleteThis (Jim Paugh) Message-Id: <199705071755.KAA03874@jalama.eng.sun.com-DeleteThis> To: wind_talk@opus.hpl.hp.com-DeleteThis Subject: Re: Board Locks X-Sun-Charset: US-ASCII
> From: Dave Hoagland <hoagland@sfgate.com-DeleteThis>
> Dan Farmer wrote:
>
> > Another point worth mentioning is insurance. A few years ago, State Farm
> > changed their policy and began to cover windsurfing gear under their boat
> > policies. Full replacement (not depreciated value) coverage of two boards,
> > quiver of five sails, three masts, blah, blah, blah is costing me $100 per year
> > with a $100 deductible. If they're stolen off/out of the car it's covered. If
> > I ditch a rig it's covered.
> >
> > Hope this helps-
> > -df
>
> Insurance is the ultimate defense against thievery. Of the three people
> I know with Toyota vans, every one had their vans stolen. Every one got
> the van back minus the gear. Only one had a good renters policy that
> covered her gear at replacement cost. She is now happily sailing on
> better gear than before with extra money in the bank. That's a better
> deal than she would have gotten by unloading everything at the swap
> meet. The same thing has happened to me in the past. I don't know why
> anybody would expose $3000 to $10000 worth of gear to the risk of theft.
> If you leave stuff on or in a car eventually it will be stolen. A few
> hundred dollars up front will save you a lot of grief. That's less than
> the price of a good boom for a years coverage. Get insurance and then
> never worry about leaving your gear out of sight again. Well, you might
> miss a good day or two...
I don't know about all renters policies, but mine covers my gear 100% in
my home/garage, but in my van (on the road), it's covered upto 10% of my
policy. I'm carrying a $50,000 policy, so that's $5k worth of coverage
while on the road.
Be sure to check your policy carefully, and if you know of a policy that
covers 100% on the road, let me know!
~Jim Paugh
This archive was generated by hypermail 2b29 : Mon Dec 10 2001 - 02:31:48 PST