We're shopping around for homeowners insurance as it appears we can find 
policies these days a lot cheaper than the one we have (might have something 
to do with the real estate crash and insurance companies trying to boost 
their business).  When I received the binder in the mail from our broker, I 
had to correct some details that he wrote down incorrectly.  For example 
that the pool is in-ground (like I told him) and not above-ground (as in the 
app) etc.  I told him that we have two dogs (both gentle breeds) but he just 
noted one of the dogs on the binder application.  I haven't corrected the 
dog part yet and I'm not sure if I should bother to do so.

My question is, to what extent should I nit-pick about this form to have all 
the details 100% correct?  I have the feeling that the broker is not as 
concerned about that as I am.  But he has 1,000 times more knowledge about 
the homeowners insurance industry than I do.  I am just concerned that if 
there is an incorrect detail if we have a major claim, like if the house 
burns down, then I don't want the insurance co. to refuse to cover it 
because of some "seemingly" trivial question on the original form is not 
correct. 

"scorpster" <s...@ge.com> wrote in message 
news:YrHPl.16706$p...@flpi149.ffdc.sbc.com...
> We're shopping around for homeowners insurance as it appears we can find 
> policies these days a lot cheaper than the one we have (might have 
> something to do with the real estate crash and insurance companies trying 
> to boost their business).  When I received the binder in the mail from our 
> broker, I had to correct some details that he wrote down incorrectly.  For 
> example that the pool is in-ground (like I told him) and not above-ground 
> (as in the app) etc.  I told him that we have two dogs (both gentle 
> breeds) but he just noted one of the dogs on the binder application.  I 
> haven't corrected the dog part yet and I'm not sure if I should bother to 
> do so.
>
> My question is, to what extent should I nit-pick about this form to have 
> all the details 100% correct?  I have the feeling that the broker is not 
> as concerned about that as I am.  But he has 1,000 times more knowledge 
> about the homeowners insurance industry than I do.  I am just concerned 
> that if there is an incorrect detail if we have a major claim, like if the 
> house burns down, then I don't want the insurance co. to refuse to cover 
> it because of some "seemingly" trivial question on the original form is 
> not correct.


*Better to have it in there then not.  Make sure that you mention works of 
art, computers, TV's, stereos etc.  Someone posted a response a few weeks 
ago here regarding a fire that a friend had.  Based on his friend's 
experience he advised taking pictures of everything and putting them in a 
safe deposit box for insurance purposes.  I thought that was excellent 
advice. 

On Sat, 16 May 2009 15:44:30 -0700, "scorpster"
<s...@ge.com> wrote:

>We're shopping around for homeowners insurance as it appears we can find 
>policies these days a lot cheaper than the one we have (might have something 
>to do with the real estate crash and insurance companies trying to boost 
>their business).  When I received the binder in the mail from our broker, I 
>had to correct some details that he wrote down incorrectly.  For example 
>that the pool is in-ground (like I told him) and not above-ground (as in the 
>app) etc.  I told him that we have two dogs (both gentle breeds) but he just 
>noted one of the dogs on the binder application.  I haven't corrected the 
>dog part yet and I'm not sure if I should bother to do so.
>
>My question is, to what extent should I nit-pick about this form to have all 
>the details 100% correct?  I have the feeling that the broker is not as 
>concerned about that as I am.  But he has 1,000 times more knowledge about 
>the homeowners insurance industry than I do.  I am just concerned that if 
>there is an incorrect detail if we have a major claim, like if the house 
>burns down, then I don't want the insurance co. to refuse to cover it 
>because of some "seemingly" trivial question on the original form is not 
>correct. 

Find another agent. This one is deliberately putting in wrong
information to get a lower rate quote. He wants to make sure you buy
the policy from him so he gets his commission. He doesn't care that by
falsifying info on that application, the policy may prove worthless
when you need it most.


It doesn't matter how great a price you get on insurance if it isn't
going to cover you when things go pear shaped. 

"scorpster" <s...@ge.com> wrote in message 
news:YrHPl.16706$p...@flpi149.ffdc.sbc.com...
> We're shopping around for homeowners insurance as it appears we can find 
> policies these days a lot cheaper than the one we have (might have 
> something to do with the real estate crash and insurance companies trying 
> to boost their business).  When I received the binder in the mail from our 
> broker, I had to correct some details that he wrote down incorrectly.  For 
> example that the pool is in-ground (like I told him) and not above-ground 
> (as in the app) etc.  I told him that we have two dogs (both gentle 
> breeds) but he just noted one of the dogs on the binder application.  I 
> haven't corrected the dog part yet and I'm not sure if I should bother to 
> do so.
>
> My question is, to what extent should I nit-pick about this form to have 
> all the details 100% correct?  I have the feeling that the broker is not 
> as concerned about that as I am.  But he has 1,000 times more knowledge 
> about the homeowners insurance industry than I do.  I am just concerned 
> that if there is an incorrect detail if we have a major claim, like if the 
> house burns down, then I don't want the insurance co. to refuse to cover 
> it because of some "seemingly" trivial question on the original form is 
> not correct.


I agree with salty (2nd response to your question). Run away from that 
agent. He's not doing you any favors. 

On Sat, 16 May 2009 19:34:38 -0400, John Grabowski wrote:

> 
> "scorpster" <s...@ge.com> wrote in message 
> news:YrHPl.16706$p...@flpi149.ffdc.sbc.com...
>> We're shopping around for homeowners insurance as it appears we can find 
>> policies these days a lot cheaper than the one we have (might have 
>> something to do with the real estate crash and insurance companies trying 
>> to boost their business).  When I received the binder in the mail from our 
>> broker, I had to correct some details that he wrote down incorrectly.  For 
>> example that the pool is in-ground (like I told him) and not above-ground 
>> (as in the app) etc.  I told him that we have two dogs (both gentle 
>> breeds) but he just noted one of the dogs on the binder application.  I 
>> haven't corrected the dog part yet and I'm not sure if I should bother to 
>> do so.
>>
>> My question is, to what extent should I nit-pick about this form to have 
>> all the details 100% correct?  I have the feeling that the broker is not 
>> as concerned about that as I am.  But he has 1,000 times more knowledge 
>> about the homeowners insurance industry than I do.  I am just concerned 
>> that if there is an incorrect detail if we have a major claim, like if the 
>> house burns down, then I don't want the insurance co. to refuse to cover 
>> it because of some "seemingly" trivial question on the original form is 
>> not correct.
> 
> 
> *Better to have it in there then not.  Make sure that you mention works of 
> art, computers, TV's, stereos etc.  Someone posted a response a few weeks 
> ago here regarding a fire that a friend had.  Based on his friend's 
> experience he advised taking pictures of everything and putting them in a 
> safe deposit box for insurance purposes.  I thought that was excellent 
> advice.

Burn them to rewritable CD's and give a copy to a family member that
doesn't live in the same end of town. Keep a copy of their's for them.
They can be updated over and over. Safe deposit boxes are not cheap.

"RLM" <r...@127.0.0.1> wrote in message 
news:p...@127.0.0.1...
> On Sat, 16 May 2009 19:34:38 -0400, John Grabowski wrote:
>
>>
>> "scorpster" <s...@ge.com> wrote in message
>> news:YrHPl.16706$p...@flpi149.ffdc.sbc.com...
>>> We're shopping around for homeowners insurance as it appears we can find
>>> policies these days a lot cheaper than the one we have (might have
>>> something to do with the real estate crash and insurance companies 
>>> trying
>>> to boost their business).  When I received the binder in the mail from 
>>> our
>>> broker, I had to correct some details that he wrote down incorrectly. 
>>> For
>>> example that the pool is in-ground (like I told him) and not 
>>> above-ground
>>> (as in the app) etc.  I told him that we have two dogs (both gentle
>>> breeds) but he just noted one of the dogs on the binder application.  I
>>> haven't corrected the dog part yet and I'm not sure if I should bother 
>>> to
>>> do so.
>>>
>>> My question is, to what extent should I nit-pick about this form to have
>>> all the details 100% correct?  I have the feeling that the broker is not
>>> as concerned about that as I am.  But he has 1,000 times more knowledge
>>> about the homeowners insurance industry than I do.  I am just concerned
>>> that if there is an incorrect detail if we have a major claim, like if 
>>> the
>>> house burns down, then I don't want the insurance co. to refuse to cover
>>> it because of some "seemingly" trivial question on the original form is
>>> not correct.
>>
>>
>> *Better to have it in there then not.  Make sure that you mention works 
>> of
>> art, computers, TV's, stereos etc.  Someone posted a response a few weeks
>> ago here regarding a fire that a friend had.  Based on his friend's
>> experience he advised taking pictures of everything and putting them in a
>> safe deposit box for insurance purposes.  I thought that was excellent
>> advice.
>
> Burn them to rewritable CD's and give a copy to a family member that
> doesn't live in the same end of town. Keep a copy of their's for them.
> They can be updated over and over. Safe deposit boxes are not cheap.
>


My safe deposit box costs $38 per year. Seems cheap to me. What do you 
consider cheap? 

On Sat, 16 May 2009 20:41:00 -0400, JoeSpareBedroom wrote:

> "RLM" <r...@127.0.0.1> wrote in message 
> news:p...@127.0.0.1...
>> On Sat, 16 May 2009 19:34:38 -0400, John Grabowski wrote:
>>
>>>
>>> "scorpster" <s...@ge.com> wrote in message
>>> news:YrHPl.16706$p...@flpi149.ffdc.sbc.com...
>>>> We're shopping around for homeowners insurance as it appears we can find
>>>> policies these days a lot cheaper than the one we have (might have
>>>> something to do with the real estate crash and insurance companies 
>>>> trying
>>>> to boost their business).  When I received the binder in the mail from 
>>>> our
>>>> broker, I had to correct some details that he wrote down incorrectly. 
>>>> For
>>>> example that the pool is in-ground (like I told him) and not 
>>>> above-ground
>>>> (as in the app) etc.  I told him that we have two dogs (both gentle
>>>> breeds) but he just noted one of the dogs on the binder application.  I
>>>> haven't corrected the dog part yet and I'm not sure if I should bother 
>>>> to
>>>> do so.
>>>>
>>>> My question is, to what extent should I nit-pick about this form to have
>>>> all the details 100% correct?  I have the feeling that the broker is not
>>>> as concerned about that as I am.  But he has 1,000 times more knowledge
>>>> about the homeowners insurance industry than I do.  I am just concerned
>>>> that if there is an incorrect detail if we have a major claim, like if 
>>>> the
>>>> house burns down, then I don't want the insurance co. to refuse to cover
>>>> it because of some "seemingly" trivial question on the original form is
>>>> not correct.
>>>
>>>
>>> *Better to have it in there then not.  Make sure that you mention works 
>>> of
>>> art, computers, TV's, stereos etc.  Someone posted a response a few weeks
>>> ago here regarding a fire that a friend had.  Based on his friend's
>>> experience he advised taking pictures of everything and putting them in a
>>> safe deposit box for insurance purposes.  I thought that was excellent
>>> advice.
>>
>> Burn them to rewritable CD's and give a copy to a family member that
>> doesn't live in the same end of town. Keep a copy of their's for them.
>> They can be updated over and over. Safe deposit boxes are not cheap.
>>
> 
> 
> My safe deposit box costs $38 per year. Seems cheap to me. What do you 
> consider cheap?

Family will keep a copy of a CD for free. Free is cheap! It's availible on
weekends too! Day or night if need be. I also have a couple of fire safes
in the house and live in a community with 24 hr. fire protection. So I can
also keep a copy.

In article <p...@127.0.0.1>,
 RLM <r...@127.0.0.1> wrote:

> Family will keep a copy of a CD for free. Free is cheap! It's availible on
> weekends too! Day or night if need be. I also have a couple of fire safes
> in the house and live in a community with 24 hr. fire protection. So I can
> also keep a copy.

Or this... 
http://www.sentrysafe.com/products/productDetail.aspx?s=27

-- 
        "Distracting a politician from governing 
is like distracting a bear from eating your baby."

                                  --PJ O'Rourke

"RLM" <r...@127.0.0.1> wrote in message 
news:p...@127.0.0.1...
> On Sat, 16 May 2009 20:41:00 -0400, JoeSpareBedroom wrote:
>
>> "RLM" <r...@127.0.0.1> wrote in message
>> news:p...@127.0.0.1...
>>> On Sat, 16 May 2009 19:34:38 -0400, John Grabowski wrote:
>>>
>>>>
>>>> "scorpster" <s...@ge.com> wrote in message
>>>> news:YrHPl.16706$p...@flpi149.ffdc.sbc.com...
>>>>> We're shopping around for homeowners insurance as it appears we can 
>>>>> find
>>>>> policies these days a lot cheaper than the one we have (might have
>>>>> something to do with the real estate crash and insurance companies
>>>>> trying
>>>>> to boost their business).  When I received the binder in the mail from
>>>>> our
>>>>> broker, I had to correct some details that he wrote down incorrectly.
>>>>> For
>>>>> example that the pool is in-ground (like I told him) and not
>>>>> above-ground
>>>>> (as in the app) etc.  I told him that we have two dogs (both gentle
>>>>> breeds) but he just noted one of the dogs on the binder application. 
>>>>> I
>>>>> haven't corrected the dog part yet and I'm not sure if I should bother
>>>>> to
>>>>> do so.
>>>>>
>>>>> My question is, to what extent should I nit-pick about this form to 
>>>>> have
>>>>> all the details 100% correct?  I have the feeling that the broker is 
>>>>> not
>>>>> as concerned about that as I am.  But he has 1,000 times more 
>>>>> knowledge
>>>>> about the homeowners insurance industry than I do.  I am just 
>>>>> concerned
>>>>> that if there is an incorrect detail if we have a major claim, like if
>>>>> the
>>>>> house burns down, then I don't want the insurance co. to refuse to 
>>>>> cover
>>>>> it because of some "seemingly" trivial question on the original form 
>>>>> is
>>>>> not correct.
>>>>
>>>>
>>>> *Better to have it in there then not.  Make sure that you mention works
>>>> of
>>>> art, computers, TV's, stereos etc.  Someone posted a response a few 
>>>> weeks
>>>> ago here regarding a fire that a friend had.  Based on his friend's
>>>> experience he advised taking pictures of everything and putting them in 
>>>> a
>>>> safe deposit box for insurance purposes.  I thought that was excellent
>>>> advice.
>>>
>>> Burn them to rewritable CD's and give a copy to a family member that
>>> doesn't live in the same end of town. Keep a copy of their's for them.
>>> They can be updated over and over. Safe deposit boxes are not cheap.
>>>
>>
>>
>> My safe deposit box costs $38 per year. Seems cheap to me. What do you
>> consider cheap?
>
> Family will keep a copy of a CD for free. Free is cheap! It's availible on
> weekends too! Day or night if need be. I also have a couple of fire safes
> in the house and live in a community with 24 hr. fire protection. So I can
> also keep a copy.
>


24 hour fire protection? Please describe in detail. 

On Sat, 16 May 2009 21:02:44 -0400, Kurt Ullman wrote:

> In article <p...@127.0.0.1>,
>  RLM <r...@127.0.0.1> wrote:
> 
>> Family will keep a copy of a CD for free. Free is cheap! It's availible
>> on weekends too! Day or night if need be. I also have a couple of fire
>> safes in the house and live in a community with 24 hr. fire protection.
>> So I can also keep a copy.
> 
> Or this...
> http://www.sentrysafe.com/products/productDetail.aspx?s=27

I have a couple of safes much like those too. One uses combination to
open, one a key. Both will withstand a fire for a couple of hours, so the
paperwork states. I hope never to find out first hand.