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> Kraaaappppp!, Son away at college had a fire
Engman
post Mar 26 2005, 06:51 AM
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My son - soon to be graduating from IU in Bloomington, IN - had a fire last nite - room is totaled!

He was renting a house with 5 others off campus - no renters insurance (IMG:http://www.914world.com/bbs2/html/emoticons/headbang.gif)

Question is - does any of my homeowners insurance cover his property? It looks like it might - but I am no expert on reading/interpeting these policys. Yes - his primary residence remains here at home...........

Dammm - he is really down..........


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Pnambic
post Mar 26 2005, 04:19 PM
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Hey Mark,

My condolences on your son's loss. But like everyone said, he's OK and that's the important part.

My wife had her IN Insurance Licenses for Property, Casualty, Life and Health a few years ago. (She let them lapse when she wasn't using them...) She says that she is 90% sure that his lost items are not covered, but that you'd have to take a closer look at your home policy to be sure. If you have a good agent that you trust, they should be able to guide you through this.

Something to think about though...home-owners insurance has been a really tough market over the last few years. A lot of companies are just looking for opportunities to drop people. If you were to put in a large claim for something like this, it might not bode well for you at next renewal time and if you've been non-renewed, it'll really hit the wallet when you shop around for other insurance. Depending on the cost of replacing everything, it may be cheaper in the long run to not turn it in to insurance. Again, your agent should have a better feel for how your insurance company is looking at stuff like this.

HTH

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Posts in this topic
Engman   Kraaaappppp!   Mar 26 2005, 06:51 AM
jwalters   Man that is terrible. I truley feel bad for your s...   Mar 26 2005, 07:32 AM
itsa914   Mark, that sucks. The main thing your son is ok. I...   Mar 26 2005, 07:41 AM
Mark Henry   Don't know how it works down there but the hou...   Mar 26 2005, 07:55 AM
GWN7   Sorry to hear about your loss. Good thing everyone...   Mar 26 2005, 08:05 AM
CptTripps   Mark, The good news is that everyone is ok. It su...   Mar 26 2005, 10:06 AM
markb   Just had something similar happen. Son's renti...   Mar 26 2005, 10:07 AM
morphenspectra   i really feel for ya man,i try to look at the good...   Mar 26 2005, 10:20 AM
seanery   Mark, so sorry to hear this news h...   Mar 26 2005, 11:25 AM
rick 918-S   Mark, Check your PM!   Mar 26 2005, 01:39 PM
rhodyguy   what was the cause? maybe there is an underlying p...   Mar 26 2005, 02:14 PM
Engman   He WAS lucky - He and 2 others live in the basemen...   Mar 26 2005, 04:12 PM
Pnambic   Hey Mark, My condolences on your son's loss. ...   Mar 26 2005, 04:19 PM
riverman   I never like to hear stories like that. The main ...   Mar 26 2005, 04:48 PM
STL914   Mark, Sorry to hear about your son and the fire. ...   Mar 26 2005, 04:49 PM
1bad914   Mark, I'm sorry to hear about that. I think th...   Mar 26 2005, 06:24 PM
rick 918-S   Taken from My "Home Owners Analysis" A publication...   Mar 26 2005, 07:04 PM
neo914-6   Mark, My stepson lost everything (and some things...   Mar 26 2005, 09:36 PM


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