Renters insurance and cigars

688sonarmen · 08-24-2011, 06:14 PM

Does anyone know if cigars are covered under renters insurance? I am with progressive and after being passed on a phone loop for 20 min I could not get a person to tell me. We are leaving Norfolk on Fri if its still a cat 2 and I'm wondering if I should bring them with me. The wife is actually worried about them as well

kelmac07 · 08-24-2011, 06:14 PM

Leaving? And miss all the fun?

Skywalker · 08-24-2011, 06:17 PM

I'm thinking... No!

688sonarmen · 08-24-2011, 06:28 PM

Quote:

Originally Posted by kelmac07

Leaving? And miss all the fun?

I'll put it to the wife that way

thechrisdotcom · 08-24-2011, 06:22 PM

I thought renters insurance covered anything of value in your home?

688sonarmen · 08-24-2011, 06:25 PM

Quote:

Originally Posted by thechrisdotcom

I thought renters insurance covered anything of value in your home?

It does, but cigars are evil things in some eyes

N2 GOLD · 08-24-2011, 06:30 PM

Quote:

Originally Posted by 688sonarmen

It does, but cigars are evil things in some eyes

It's renters insurance not LIFE insurance...

d'am · 08-24-2011, 06:25 PM

Most renters' insurance has limitations/exceptions for "collectible" items. Every insurer defines it differently, but it usually covers goods that can't be immediately purchased on the open market. If you talk to your insurer and want coverage for rare/HTF cigars, make sure you mention it explicitly.

Coach Deg · 08-24-2011, 06:54 PM

It's a special rider that costs about $16 per $100 for collectibles. I doubt they would insure the cigars.

shilala · 08-24-2011, 06:58 PM

I'd drag them along and make sure you fix your insurance when you get home.

688sonarmen · 08-24-2011, 06:59 PM

Quote:

Originally Posted by shilala

I'd drag them along and make sure you fix your insurance when you get home.

I think I will

kelmac07 · 08-24-2011, 07:00 PM

Quote:

Originally Posted by shilala

I'd drag them along and make sure you fix your insurance when you get home.

I'll watch 'em for ya Jake til you get back.

688sonarmen · 08-24-2011, 08:47 PM

Quote:

Originally Posted by kelmac07

I'll watch 'em for ya Jake til you get back.

So you are saying you have plenty of room in your humidors?

kelmac07 · 08-24-2011, 10:24 PM

Quote:

Originally Posted by 688sonarmen

So you are saying you have plenty of room in your humidors?

Not at all...got a box in today and spent 2 hours playing tetris to make her fit. Just saying I'll keep your sticks company.

Col. Kurtz · 08-24-2011, 07:08 PM

You should have coverage up to your limit for personal property barring any exclusions or limitations on coverage. I think you would have a very good argument that they are personal property.

Now, I have thought about this before in regards to cigars that are not available on the US market and how(if) that claim should be filed.

If I recall correctly, Blueface is the resident claims manager. Perhaps he'll chime in with a ruling for us.

cmitch · 08-24-2011, 08:44 PM

Most policies I've had included a clause in all that tiny type limiting cash and consumables to a certain amount.

Jasonw560 · 08-24-2011, 09:43 PM

Quote:

Originally Posted by 688sonarmen

We are leaving Norfolk on Fri if its still a cat 2

cat 2. Pffft. That's a sprng rain.

Take them wih you, just to be on tbe safe side.

TBone · 08-24-2011, 10:23 PM

Quote:

Originally Posted by 688sonarmen

Does anyone know if cigars are covered under renters insurance? I am with progressive and after being passed on a phone loop for 20 min I could not get a person to tell me. We are leaving Norfolk on Fri if its still a cat 2 and I'm wondering if I should bring them with me. The wife is actually worried about them as well

Jake your in the Navy your going to miss all the fun...when I lived in Chicago with renters insurance everything in the home was covered but with a depreciated value.

fid · 08-25-2011, 12:08 PM

The last time I had renters insurance I read every word in the policy. When I got to the end of the policy, it said that they would not pay out on a claim that arises due to thermonuclear detonation.

Skywalker · 08-25-2011, 12:54 PM

Quote:

Originally Posted by fid

The last time I had renters insurance I read every word in the policy. When I got to the end of the policy, it said that they would not pay out on a claim that arises due to thermonuclear detonation.

08-24-2011, 06:14 PM	#1
688sonarmen Shipmate! Join Date: Mar 2009 First Name: Jake Location: Norwich, Ct Posts: 2,698 Trading: (17)	Renters insurance and cigars Does anyone know if cigars are covered under renters insurance? I am with progressive and after being passed on a phone loop for 20 min I could not get a person to tell me. We are leaving Norfolk on Fri if its still a cat 2 and I'm wondering if I should bring them with me. The wife is actually worried about them as well

08-24-2011, 06:14 PM	#2
kelmac07 Resident Maduro Whore!! Join Date: Apr 2009 First Name: Mac Location: Newport News, VA Posts: 27,322 Trading: (218)	Re: Renters insurance and cigars Leaving? And miss all the fun? __________________ Dom in the MLB thread "I could probably get you to wear a Yankee hat for a Maduro!"

08-24-2011, 06:17 PM	#3
Skywalker BABOTL Join Date: Oct 2008 First Name: Dice Location: Galaxy Far Far Away Posts: 10,168 Trading: (18)	Re: Renters insurance and cigars I'm thinking... No! __________________ Smoke what you like!!!

08-24-2011, 06:22 PM	#5
thechrisdotcom . Join Date: Aug 2011 Posts: 601 Trading: (2)	Re: Renters insurance and cigars I thought renters insurance covered anything of value in your home?

08-24-2011, 06:25 PM	#8
d'am Still Watching My Back Join Date: Jul 2010 Location: Midwest Posts: 96 Trading: (7)	Re: Renters insurance and cigars Most renters' insurance has limitations/exceptions for "collectible" items. Every insurer defines it differently, but it usually covers goods that can't be immediately purchased on the open market. If you talk to your insurer and want coverage for rare/HTF cigars, make sure you mention it explicitly.

08-24-2011, 06:54 PM	#9
Coach Deg C O W eieio. Join Date: May 2009 First Name: Mike Location: Hudson, FL Posts: 2,853 Trading: (59)	Re: Renters insurance and cigars It's a special rider that costs about $16 per $100 for collectibles. I doubt they would insure the cigars.

08-24-2011, 06:58 PM	#10
shilala Dear Lord, Thank You. Join Date: Oct 2008 First Name: Scott Posts: 13,721 Trading: (252)	Re: Renters insurance and cigars I'd drag them along and make sure you fix your insurance when you get home. __________________

08-24-2011, 07:08 PM	#15
Col. Kurtz Have My Own Room Join Date: Jan 2009 First Name: Jerry Location: South Appleton Posts: 1,839 Trading: (26)	Re: Renters insurance and cigars You should have coverage up to your limit for personal property barring any exclusions or limitations on coverage. I think you would have a very good argument that they are personal property. Now, I have thought about this before in regards to cigars that are not available on the US market and how(if) that claim should be filed. If I recall correctly, Blueface is the resident claims manager. Perhaps he'll chime in with a ruling for us. __________________ Artillery Lends Dignity to What Would Otherwise Be a Vulgar Brawl

08-24-2011, 08:44 PM	#16
cmitch Heads up get down Join Date: Oct 2010 First Name: Clayton Location: NW Alabama by the river Posts: 2,720 Trading: (25)	Re: Renters insurance and cigars Most policies I've had included a clause in all that tiny type limiting cash and consumables to a certain amount. __________________ No matter what one's status is in society, cigars are the great equalizer where the affluent and common share a love for the leaf. - Me.

08-25-2011, 12:08 PM	#19
fid Still Watching My Back Join Date: May 2011 First Name: Jeff Location: Durand, Mi Posts: 50 Trading: (2)	Re: Renters insurance and cigars The last time I had renters insurance I read every word in the policy. When I got to the end of the policy, it said that they would not pay out on a claim that arises due to thermonuclear detonation.