Anyone on Az insure the cues they own?

The8reader

The8reader

does this help! haha
Silver Member
Who do you get it from? state farm, farmers, ect,,,


was it hard to get the insurance for the cue/cue's?


Or did you claim it under your home owners insurance??
 
The best insurance you can get doesn't come from a company. It comes from you.
Don't get drunk while playing pool. It's the easiest way I know of to lose your cue. :smile:
 
I have mine insured as part of my homeowners insurance. It was really cheap to do and they let me set the value. Kinda the same thing as if your tv was destroyed in a fire.
 
I have a seperate sporting goods insurance for my cues. It costs around 3% of the insured value per year.
It covers theft and accidental damage. Nore I am located in the Netherlands.

gr. Dave
 
I insure with Geico. (asset as cue collection w/ overall value)
All cues are detail photographed for identification (police/pawn shops) if they are taken
My home and cue room are alarmed
Secondary rider by Smith and Wesson
 
LuckyStroke said:
I have mine insured as part of my homeowners insurance. It was really cheap to do and they let me set the value. Kinda the same thing as if your tv was destroyed in a fire.
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Really? Is that a state specific thing? I wasn't able to. My cues would need to be insured as collectibles.

Freddie <~~~ not a collector
 
The8reader said:
Who do you get it from? state farm, farmers, ect,,,


was it hard to get the insurance for the cue/cue's?


Or did you claim it under your home owners insurance??
Click to expand...


I used to insure my collection with a collectibles insurance company. The cost was pretty high, but it offered a wide range of coverage including traveling with the collection, during shipment, etc.

Trying to save money, I decided to look into it further. My homeowners is with Farmer's Insurance. After an exchange of correspondence with my insurance agent, they determined the cues would be covered at home under personal property. We adjusted the personal property limits to cover them.

The big thing about insurance is proving your claim in the event of a loss. I keep inventory, notes on condition, and photographs of my collection. Every year or so I photograph the cues and update the inventory list. I also have kept the emails with the agent and as many records/receipts as possible to document the cost.

Insurance is not foolproof, but it's nice to know you've got it when you might need it.
 
Cornerman said:
Really? Is that a state specific thing? I wasn't able to. My cues would need to be insured as collectibles.

Freddie <~~~ not a collector
Click to expand...

To be technical, my case and it's contents are insured. If I get a different case it would need to be changed. State specific? Not sure, I've only lived in VA
 
Cornerman said:
Really? Is that a state specific thing? I wasn't able to. My cues would need to be insured as collectibles.

Freddie <~~~ not a collector
Click to expand...

Fred,

I'm not sure if it's state specific or may just vary by insurance company. The way my Farmers homeowners policy works is they limit or exclude certain items or category of items. As it turned out, cues were not excluded, so they were covered.
 
My cues are insured against loss by 6, 250 grain Hornady riders, covered on the main policy by .45 Long Colt. A claims examiner will write a check for the casket.
 
LuckyStroke said:
I have mine insured as part of my homeowners insurance. It was really cheap to do and they let me set the value. Kinda the same thing as if your tv was destroyed in a fire.
Click to expand...

mine is covered under my renters insurance like everything else i own i keep a list of everything with backed up pictures of it online. and of all the material conditions of said items.
 
Cracktherack said:
My cues are insured against loss by 6, 250 grain Hornady riders, covered on the main policy by .45 Long Colt. A claims examiner will write a check for the casket.
Click to expand...

A greenie for that. The old saying comes to mind...God didn't make men equal, Colonel Colt did. Gave me a mental image of playing pool with a single action Colt strapped on. :wink:

Thanks for the chuckle.

Also, never really thought of it. Since my case & cues are worth around $2,500 replacement value, I'm going to ask my State Farm agent about this.
 
Collectinsure- highly recommend

After State Farm agent researching it, he said it would require a separate policy otherwise wouldn't be covered, was expensive thru them as separate policy, so I found collect. Insure! They insure collectables of all kinds, and it's covered if stolen from outside the home, at the bar, etc. it's relatively cheap, couple hundred on 10k annually. Well worth it IMO.

So, hopefully I can keep the Glock for hog hunting emergencies, lol :grin-square:
 
I have had my cues insured for years and had to collect on one. If done properly it is done under or rider on your homeowners policy or a individual policy depending on the insurance company. Mine is on a rider for all risk and AGREED VALUE under my home policy. You can do the same with guns, and many other items. I have had mine with Auto-Owners insurance for years.
 
TATE said:
Fred,

I'm not sure if it's state specific or may just vary by insurance company. The way my Farmers homeowners policy works is they limit or exclude certain items or category of items. As it turned out, cues were not excluded, so they were covered.
Click to expand...

you're correct. If it is NOT specifically excluded, or is NOT an item that has a set dollar limit, then it's covered under you dollar limit you have set for your personal contents. Which for most homeowners is $100K minimum, or sometimes as high as the value of the home. Even if stolen or lost while away from your home, or lost by an airline, you are covered.... minus the deductible of course :)

I would keep the receipts, photos, and anything else because I'm pretty sure adjusters are not very familiar with cues and the value some of them can reach, or the replacement cost to get another one of like, kind and quality.
 
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