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Old 10-30-2007, 08:32 PM   #11
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I think the question is valid, and I would also like to see the answers.
I'm sure some folks on RCC have some experience with claims for their destroyed RC equipment, whether by fire, or maybe in a car accident?
How about theft? :
Ron Mattiuz

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Old 10-31-2007, 12:34 AM   #12
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Originally Posted by chrispare46
not to be an a$$ here but before you tell me to search old threads try typing in (home insurance ) or something along those lines!
GOOD now you see the S@$* that comes up, nothing even close.
without spending hours trying to find something it is much easier to ASK for help! Knowing that there is alot of knowledge on this board,and DEDICATED people in this hobby.

thank you

Come on folks, lets be courtious to our fellow RC'ers. I know this is as old as the hills but my dear sainted mother use to say: "If you haven't got anything nice to say, then please don't say anything!"
You are absolutely right Chris sometimes using the Search function doesn't get you any closer to what you are asking about.

Sorry my first post was a sad attempt at humour and not intended to slight your initial post.

Perhaps though your Insurance Agent can answer that one better then anyone here as he knows the particulars of your policy. It would be interesting to find out because I have been under the assumption tha $100,000.00 worth of contents coverage was for whatever was in my house at the time of say a fire. Wether it is $10,000.00 worth of modeling equipment or $10,000.00 worth of clothes should not matter, it all needs to be replaced.

Hey Chris will you be at the meeting on 07 November?
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Old 10-31-2007, 05:47 AM   #13
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Mine his covered threw my house Ins.. found out years ago because it happen to me
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Old 10-31-2007, 04:41 PM   #14
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I would check with the company but I have huge standard "contents" coverage and if they refused to cover "contents" I would be furious and take it up as many levels as necessary. Unless specifically excluded or illegal items I don't see how it can be excluded. Some policies limit the worth of any one item or "collections" and certain items such as jewellry without a rider but I have never seen RC equipment excluded in my policies.
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Old 10-31-2007, 07:28 PM   #15
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I wouldn't take it for granted that because you have these items in your home that they would be automatically covered under your content insurance. Valueable collections of anything are out of the ordinary especially something like RC airplanes and support equipment. Like the example I gave earlier, you may even shock yourself if you stop and tally up just how many $$ worth of RC stuff that you actually have. Imagine a broker hearing that you had $15,000.00 worth of "toy airplanes" in your home that your claiming.

We can hash this back and forth for pages and pages on this forem but the best advise is to contact your insurance company BEFORE you have an incident and make sure you are covered and if need be purchase the necessary riders to assure your investment is secured.

Now that being said, a friend of mine had purchased a brand new Patty Wagstaff Extra 300 complete with brand new engine, electronic gear and the works. He was taking it to the field for its maden flight when he was "creamed" from the rear while stopped at a red light by a guy who hit him full bore. He wasn't hurt but his Van and the new Airplane was totally demolished, a writeoff! His auto insurance fully covered him and he got another van and another brand new airplane out of the deal. So..go figure! Spin the wheel and take your chances! Still all in all, don't take it for granted...make sure you are covered!
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