Is your doll insured?

All my collectables, model horses and dolls, are insured in our home insurance. I asked the insurance company about insuring collections and they said that the lowest possible amount to insure a specific collection is € 10,000, so I still have to wait for a while before I can insure my dolls as a collection.

 

I've been out reading many many a thread and one thing no one seems to mention is when they get a new doll, do they insure it?

I recently ordered a E-an from DoD. About a week later the horrible thought of "What if in six months she breaks?"..."What if she gets stolen?". Aside from breaking down into massive tears (geez...she won't arrive for weeks yet and I'm already attached!) the thought of saving up for another is heartbreaking...cause I know it would take me months!

So I contacted my Insurance agent and ask (hoping I didn't sound too silly) about getting my doll insured...that is if they DO insure such things. And yes, they do! Now I already have renters insurance BUT that would only cover her if someone broke in and stole her. Turns out, I can insure my E-an all on her own...and they even offered a coverage with breakage, so even if I'm at home (or anywhere else) if something happens to her, I'm totally covered. I pray nothing ever happens!!

Still, I wasn't sure if others out there insured their BJDs. Do you?
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Edit - oh good! Someone already had a thread going!

 

I didn't know you could do that.

 

kc~darkfairy - I didn't either! I was glad I asked my insurance agent!

 

I knew it was possible to get insurance specifically on a certain item, and I have considered it. Perhaps I will insure all my collections together one day, when I am able to do so.

 

Ive thought multiple times about getting renters insurance just in case something happens in my building (like a fire down stairs or something) but i need to stop spending money on my dolls in order to afford it -_- need to get my priorities straight i know lol

 

My doll isn't :/
I have no idea how to insure anything

 

Yuppers. I turned in a typed list with link information and screen prints as well as a sheet with photos of each doll. My home owner's insurance specifically protects them in the home against fire damage, flooding and theft. So if my house burns down, gets flooded or broken into and the dolls are irrepairably damaged they will pay the balance of purchase. I specifically asked about appreciation, and it only covers the value increasing if you report and have your item specifically bumped BEFORE the event occurs. Its not hard to do at all and didn't even bump my policy. I have several items that I've done this with in the past, so the dolls just seemed logical to me.

 

Yes, my dolls are insured, under 'collections' on my rental insurance. There's no way I'd be able to replace them, or anything else, if something drastic (house fire, etc) happened, so yes, definitely insured.

I would recommend it to everyone--my insurance is only $12 a month(for renters, that includes everything, not just the dolls), and it gives me peace of mind.

 

No. Why? Never had such idea, and probably won't. Maybe in distant future, if my doll collection grows larger...

 

I have 2 cats. Both of them are insured, well at least until they are 10, after that the insurance company won't cover them. 'Stards!

Given the recent fires down here that caused so much distruction my family looked around and agreed that the contents insurance would not cover Mum and Dads stuff let alone what we (their kidults) have accumulated.

We upped the content insurance, for surprisingly little. The trouble was trying to decide what my DES is worth. I could replace her completly, same sculpt, body, eyes and wig but the new doll would never be Vyolet for me. I think for me, if she was lost or destroyed I would "mourn" her. Not in the true sense, she is a doll, but I would miss her personality.

After some research and some adding up I got her her own policy. I would be able to get a new doll but it would never be Vyolet.

 

Actually, yes. I just got my first apartment with my boyfriend. He asked me to add up my valuables when we got renter's insurance. I included $600 dollars for my dolls. Just like my other possesions (hdtv, videogame consoles, furniature, etc) You never know, my family has been struck by fire twice now. Once before I was born, and once about 12 years ago, wiped out everything my uncle owned and he did not have insurance. I will not make that mistake. Fire, flood, tornado, etc, these things are beyond your control, and it really is devestating when they wipe you out leaving you with nothing. Therefore all of my possesions, including my dolls are insured.

 

With some companies, your item is insured up to a certain value as general house contents. The thing to watch out for is if any one of your dolls is worth more than the amount the insurer would pay out per item. I have owned a couple of dolls that fitted into this category : they were named on the insurance policy as specific items and they were insured no matter where they were, not just in the house. This was important to me as I'm much more likely to lose a doll by leaving it on a train on my way to a meet than have it stolen from my house... I'm just dizzy sometimes ! Just think : if you've just bagged yourself a Kurumi, how happy would you be if you were only offered a replacement settlement of $600 if the doll was lost, stolen or damaged ? !

Jaxa.xx

 

No my dolls are not insured.

 

I have considered listing them on my renters insurance. With each new doll I add to my little coven it crosses my mind (especially when you consider how much some of your dollies can cost you).

 

Technically they are covered under home owners insurance while in the home but I have considered getting “rider” insurance for our dolls and itemizing them with our other collectables. Some insurance companies do this for electronics and I have my photography equipment covered this way, I’m sure our dolls will be next.

 

Home insurance seems okay for me. I don't think the dolls are at much risk of being stolen, as hardly anyone outside doll fandom can quite believe what an abjd or a reborn or a limited porcelain doll can cost. Insuring against damage is more important.

Anecodote: I also collect other kinds of dolls, and when our new puppy knocked down and chewed on one of my collector Barbies, we asked if she was covered under our contents insurance. What the insurance company asked me to do was do a web search and find one for sale, because our home contents were insured for replacement value, and just print out the page. As she'd sold out fairly quickly and I'd bought her at a special price, I ended up getting nearly four times the Australian $150-odd I'd paid for her two years before... Far more than I ever would have considered paying for her in the first place!

I guess what I'm trying to say is, if you have a decent company, you don't need to itemise - HOWEVER, keeping photos of the dolls so you can prove they were around is probably a good thing.

 

This came up in the over 30s thread and I thought it would make a great discussion question. Since BJD collections are generally worth $1000s of dollars- do any of you have your collection insured?

Are they just included in your general homeowner's/renter's insurance, or do you have a separate policy/rider for them?

Are there insurance companies that specialize in insuring dolls?

If anyone has any answers, ideas, or input, I'd love to hear it. Thanks!

 

You know, this is a good idea. It's not something I currently do, but it's something I'm definitely going to look into. I have had my computer insured in the past for just such emergencies (it's my livelihood) but this makes a -great- deal of sense.

 

Would dolls technically be under home insurance? I mean, I guess there would have to be proper documentation to prove that if it is even covered by that. I'm quite curious to know.