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688sonarmen
08-24-2011, 05:14 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:D
kelmac07
08-24-2011, 05:14 PM
Leaving? And miss all the fun?
Skywalker
08-24-2011, 05:17 PM
I'm thinking... No!:rolleyes:
thechrisdotcom
08-24-2011, 05:22 PM
I thought renters insurance covered anything of value in your home?
688sonarmen
08-24-2011, 05:25 PM
I thought renters insurance covered anything of value in your home?

It does, but cigars are evil things in some eyes:td
d'am
08-24-2011, 05:25 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.
688sonarmen
08-24-2011, 05:28 PM
Leaving? And miss all the fun?

:r I'll put it to the wife that way:D
N2 GOLD
08-24-2011, 05:30 PM
It does, but cigars are evil things in some eyes:td

It's renters insurance not LIFE insurance... :r
Coach Deg
08-24-2011, 05:54 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, 05:58 PM
I'd drag them along and make sure you fix your insurance when you get home.
688sonarmen
08-24-2011, 05:59 PM
I'd drag them along and make sure you fix your insurance when you get home.

I think I will:tu
kelmac07
08-24-2011, 06:00 PM
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. :D

-(P -(P -(P -(P
Col. Kurtz
08-24-2011, 06:08 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, 07:44 PM
Most policies I've had included a clause in all that tiny type limiting cash and consumables to a certain amount.
688sonarmen
08-24-2011, 07:47 PM
I'll watch 'em for ya Jake til you get back. :D

-(P -(P -(P

:D So you are saying you have plenty of room in your humidors?
Jasonw560
08-24-2011, 08:43 PM
We are leaving Norfolk on Fri if its still a cat 2
cat 2. Pffft. That's a sprng rain. :D

Take them wih you, just to be on tbe safe side.
TBone
08-24-2011, 09:23 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:D

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.
kelmac07
08-24-2011, 09:24 PM
:D 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. :D :D
fid
08-25-2011, 11:08 AM
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, 11:54 AM
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.

:r:r:r
688sonarmen
08-25-2011, 12:58 PM
Screw it, if it's so bad the upstairs gets messed up it would be pretty retarded to not have a house but have all my cigars, thanks for the inputs guys. And Mac thank you for offering to baby sit.
gnukfu
08-27-2011, 04:22 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.

Good thing I use a butane lighter for my cigars.

And then there is the oh so obvious...I lost my cigars in a series of small fires.....