Is your doll insured?

Thinking about this today, so if this has been done, please direct me & do whatever needs to be done with this thread.

As I said, I thought about this, today. Our dolls cost a lot of money, and even though I have never taken my Emma outside or out with me, I still worry that, when I do, she'll break and it'll be utter chaos...

So, has anyone thought (for dolls they know they won't sell, at least) to get their dolls insured?

Is it worth it?

If not, why is it not worth it?

 

I've never heard of anything like this....I would think that damage to your would be covered by insurance in the same way any other property would be covered. I guess this would mean by renters or homeowners insurance, if the doll was in your home in the event of like a fire or theft or something. As for damage to the doll itself, I doubt there's specific insurance for it.

 

I didn't know you COULD get them insured. Would this give you money to replace them? And is it offered by the doll companies or outside? In case of a fire, flood, earth quake, or something goofy, I always planned to run into my house, save my dolls, my cats, hard drive, and basically just die due to the running back and forth and getting trapped. XD I usually joke with my husband saying "Yea, I'd like to see insurance cover MY stuff." My stuff being my dolls and rare things I collect that are sometimes out of print (IE sailor moon dvds in that blueish box).

 

You -could- get "collectibles insurance" but I imagine it would be quite high due to the delicate nature of the resin. Then there'll be the whole "how often do you drive it? What area do you live in?" type drama. xDD

 

There is a general apartment/house insurance that covers up to several hundred thousand worth of your stuff, you might want to look into that.

 

Well, it depends.
Even if you put your doll insured, it doesn't mean mean that you will be able to have it back. it will only be given to you the amount of money that you believe it is worth it.
But let's say you have a limited doll with limited items, even though something tragic happens to it, you may not be able to buy it again.

And putting something insured is not cheap too. the more you plan on insuring your doll against several kinds of accidents, the more you pay, and ....well....you may argue if it's actually worth it.
If you have a room filled with dolls and the total amount of the cost is over 5 digits, well, you can insure it if you want. many people insure their most precious belongings.
But if I had an insurance plan I would rather spend it with health/pet/house XD

 

Just to clear up any possible confusion: I'm not looking to getting my doll insured; just wanted to know if anyone has.

 

I have my dolls insured. And its a pretty sweet deal, they are each insured for the amount I paid for them, including breakage cause they are breakable, and for 11 dolls totaling almost $5000, I pay all of $14 a year for the personal property coverage. If something happens to one of them, I don't even have to pay a deductible because I'm paying a seperate premium for them.

Now, like someone said above, insuring them isn't going to mean they can be replaced. If you have a OOAK Limited doll insured and in one way or another it gets broken, your insurer can't replace it. Even with the money, you might not be able to replace it BUT atleast your not out X amount of dollars and have to start saving from scratch again.

For me, I see my dolls as both a hobby and investment. And I also work in Insurance so insuring something like this makes sense to me.

 

I need to insure my growing resin family!

 

No, I didn't even think about it. Maybe I should

 

My aren't but I want to...I told my parents because the dolls are very expensive and if something happens that would be lost :/ it's a good idea after all

 

No. But given that they cost more money than anything else I own or owned (possibly even my coin collection, most of which I sold for $150 USD) it doesn't sound like a bad idea.

 

Included on my household insurance...
never had to use it for them...

but in August I had a horrible, horrible car wreck (long scary story, hit by drunk driver early on a sunday evening)
I'd actually planned to bring a couple of my puki along for the day's adventures, but AT THE LAST MINUTE I changed my mind.

Thank heavens... they'd probably have been covered by the car insurance, but we're having to sue to get the guy that hit us's insurance to cover our MEDICAL stuff and replacing my car.

 

i still live with my parents, but when i move out, and get my own nsurance, YES i am defianately insuring them.

 

No but sicne I live in a dorm now, my grandmother wants to get them just in case something happens

 

no but I plan to someday

 

I wasn't sure how to answer this because I have a rider on my rental insurance specifically to cover my dolls and cameras. So technically, they have their own insurance, but it's PART OF my renter's insurance. My regular homeowner's insurance wouldn't have covered them because it excludes collectibles. (If you're relying on homeowner's/renter's insurance, be sure your company doesn't have the same policy.)

Fortunately, when our home was broken into only laptops and projectors were taken, so I haven't actually had to use it yet. (My DSLR and all its accessories, well over 2K worth of items, were left in plain site where my 300 dollar netbook was taken.) I'm not feeling like the break-in was fortunate, just that the thieves were idiots targeting laptops who didn't get the actually valuable/irreplaceable things in the house. And that the netbook had no personal data on it, and the laptop that DID have enough information for identify theft was cabled down so they didn't get it.

 

My dolls aren't currently insured, mostly because I didn't know I could, and I live in a place where you might see just a few robberies a year. I probably will be getting them insured when I move to downtown Austin in the next 6 months, since I'll be living in an apartment with mostly other students in the complex and security's probably not the greatest.

 

I really should insure the whole collection as a lump investment.

 

The problem with a lump sum getting insured is if something happens to just one or two dolls (stolen, broken, sucked into the 4th dimension, etc..), you then have to start the process of defining their value. You might request a total of $1000 ($500 for each doll), well, your insurer might ask for proof and varification of these totals, things like receipts. It can get tricky, some insurers have LOTS of loop holes. Like what DeadLegato spoke of, how something defined as a collection/collectibles is not covered under some home insurance policies.

The best thing to do is talk to an insurance agent about it and ask them to pretty much draw you a picture so you know the in's and out's of your coverage.