Is your doll insured?

That's a really good question! Since my husband and I both collect, and he's got some irreplacable stuff (movie props and the like) we looked into this when we bought our house. If you have homeowners insurance, a certain amount of your stuff should be insured. Our normal insurance company suggested getting a "rider" on our regular insurance with a list of our collectibles.

We ended up opting for insurance through a company that specializes in insurance for collections. I didn't even know such a thing existed before! (I could dredge up the info if anyone is interested.)

It all depends on what your collection is worth. If you have homeowners or renters insurance already, contact your agent and see what you're covered for. Thankfully, natural disasters don't happen that often, but I've heard of a lot of collections damaged or ruined due to more mundane things like basement floods, smoke damage, etc.

 

Anatres is for sure, mainly since hes in college with me. hes on a rider with our homeowners, so look there first. HOWEVER be careful, as some companies will not comp the full price. if thats the case then i'd look into collectable insurance companies.

 

You know, I'd never thought of that before and seeing as I have roommates that I don't know very well and my dolls are worth more than everything else I own collectively, maybe I should look into some insurance...

 

I don't have insurance but it's not a bad idea. You never know what can happen. We had a fire in our home three years ago and I was lucky not to lose any of my dolls or collectibles. Generally, adding something like expensive dolls to your homeowner's policy is very, very expensive. There is an ad in the September issue of "HAUTEDOLL" that gives some information on insurance for doll collectors and they have a website. www.collectinsure.com

I haven't checked into it, but as I said before, it might not be a bad idea!!

 

I know that there have been some discussions already about insuring your dolls, but I'm going to be moving to an apartment soon and some of the stuff I've been reading on-line about apartment security has me concerned.

Has anyone here insured their dolls? Specifically have you used http://www.collectinsure.com/ and can anyone vouch for them?

I'd be devastated to lose any of the brats, but I want some way to reincarnate them if something happens. The Collectibles Insurance Agency sounds good, but I don't know anything about them. Please share any information you have on this topic, especially what company you use.

Thank you.

Oh, and if you have any ideas on how to value my "collection" I'd appreciate suggestions. I only have vague ideas about Y!J costs to go on, and I've not been keeping up with Y!J as much as I used to.

Thanks again.

(I don't even have personal health insurance right now, and I want to get the brats insurance. There must be something really wrong with me.... ops: )

 

My dolls are insured on our family insurence plan for the house, etc, on seperate riders. They are covered for their full cost.

NHomatter who you decided to go with, make sure thye cover the FULL COST of the doll.

 

Actually you may want replacement cost, not just the cost you paid. Since the value may go up esp on a limited doll. But just get renters insurance and add on the doll.

 

My dolls are insured through my renters' insurance policy with MetLife on a special collectibles rider. So far, so good. Well, I don't know: my dolls haven't been lost, stolen, or damaged, so I really don't know how good they are. When my best friend's apartment flooded, MetLife was quick to come up with cash for the damaged collectibles she and her husband had, so I'm willing to trust them. Every case is different, though.

 

I have my apartment insured for content insurance. As long my dolls are under this roof,they are covered. You should see the widening eyes of my agent when we decided on a very high end plan for two students.. LOL

 

gack... I never thought about it, but I don't know if my babies are insured under the house... my dad has some paintings and stuff that I know he insured, but do dolls come under that?

 

For content insurance, it is usually for a lump sum and sometimes, you need proof of receipts. I kinda gave some paypal receipts purchaser slips to my agent and he accepted them He thinks I have life-sized dolls for that type of pricing that he has seen LOL~ My friend's branded stuff are all insured as well... the cost of her collection outweigh my dolls anytime~Our furniture and stuff are also ensured... laptops too LOL~ AS LONG they are in the house :wink:

 

ooo that helps a lot sam, thank you... I don't have receipts anymore tho... I hate to keep doll receipts coz I don't want to remember how much they cost ops: maybe i can get domuya to reissue receipts....

 

Yeah, I've thought about Renter's insurance, but I'm told it doesn't always cover everything you own, just up to a certain amount even with the rider. Plus, what if something happens away from the house? Like at a convention?

I know I'm supposed to figure out how much replacement cost would be but with the dollar slipping, shopping service fees, etc., I don't know how to calculate replacement cost. >.O;;;

At least this CIA policy seems to cover lots of situations for a reasonable sum, I just don't know much about them. Maybe I'll see if I can check them with BBB.

TTFN, thanks for the replies, please keep them coming,

 

LOL... Same here.. I usually want to just close eyes and throw receipts away... Oh yah.. it's better to list your dolls as ART FORMS or expensive miniature maniquins. LOL. I had to explain to my agent that they were not blow-up sex dolls... Yes, my agent has a dirty mind LOL

 

We've recently bought a house and got full buildings and contents insurance, but the higher option means we are insured away from the house on some things. So, if we go on holiday and take our laptop and it gets damaged, it's still covered by the insurance. I'm not too sure how this all works (totally clueless with this kind of thing) but I wonder if the dolls would be covered if I took them away for a weekend with me or something? Hmm, need to find out :/

 

I was looking through a doll magazine and noticed an ad for doll insurance. since BJD's are worth a lot and some people have good size families i was wondering if anyone has gotten insurance on there dolls just incase and accident happened.

 

i, personally, have not; but that's a great idea. i already have my musical instruments insured and would love to have my doll and future dolls insured.

 

It would depend on if you already have homeowners insurance or not.

I totally suggest that either way we all document with photos and paperwork any valuables including our dolls, and keep that documentation somewhere else other than our home (on-line, in a safe-deposit box, at work, whatever works).

If you have homeowners or renters insurance just check to see if it covers your dolls or if you need to get extra coverage for them.

If you don't have either, you can think about the special insurance, but check the others first. No point in wasting money on double insuring.

 

After having just gone around in circles with respect to our Homeowner's Policy, it seems to be common practice that there are pretty severe limits on collectibles, and to get higher coverage you need to add a rider for them, if your company will do so. As always, check with your company/agent and check your policy to see what your coverages are.

I know several people who have insured their collections with the Collectibles Insurance Agency. I have not used them, but those who have seem to be happy with them so far.

Marcia.