Is your doll insured?

I think it would probably be a good idea to at least get my most expensive boy. I don't know what I'd do if something happened to him and I lost almost 2000$. @-@

 

I've never thought about insurance for a doll..maybe i'll get one if I had a doll that is worth more than my life..

 

back in 2007 my house burned down with 5 of my dolls in it. They were covered through home insurance and I was given compensation for their loss. I think its a really good idea, as you never know what will happen. Of course, it would only be a good idea if yuo could afford it because health insurance is pretty important.

 

I didn't see a thread about this but if there is one please feel free to move/delete this post. ^_^

Well, I turned 25 on Sunday, so I've been calling around getting quotes on Insurance for health and such and then I called the company I found the best quote from and was talking with the agent I also found out that even though my parents rent our house I could still have my own Renter's Insurance Policy for my things and that they offered insurance for collections you just need to get your collection appraised first and then a sub policy is added to the policy that covers your collection specifically. That the overall sum is for everything but the sub policys you have in place. My response upon learning this was well, that's rather awesome.

I have to say I love my agent. He's friendly, his wife is in the field that I'm studying for and his son shares my interest in my specialty in my secondary degree. It's just really cool. That and his family is also a BJD family! I'm going to try to get them to join the boards here and at other places. ^_^For me I've found that renters insurance is only going to cost me currently 9 bucks a month and after the appraisal if my estimates of what they're worth is correct it'll only move up to about 12 bucks a month. (With a barbie collection as a separate sub policy, my BJD small collection that it is now but it will get more coverage as it goes, and my Computer/printer/additional parts all with their own separate sub policies.)

So my question is- Do You Have Insurance for your BJD's? or alternatively, Do you plan to get it? If yes why? If no, Why not?

For myself, my family seems to have bad luck whenever we move. Our first house had a river that had always been well a creek and then later that year when we moved in it started to swell and even though it was still a good ways away from our house it somehow managed to flood our basement but not our neighbors, go figure. Then at our next house it got struck by lightning, twice, with minor damages to my sisters and mine things at the time. Our next house also had flooding problems despite being on a hill, the next house was shoddily built at it's inception and the landlord didn't keep up with the codes (we had switched from owning to renting at this point) and the house burned down. The next house was with the same landlord and had some minor issues but we decided to move. But based on the natural disaster/accident track record I've had living with my family and on my own, I decided additional insurance couldn't hurt but only help.
Thanks for reading and responses in advance!

Oh further explanation as was suggested by my brother who read this post as i wrote it:

Basically if i put everything under a say 20k policy this is the amount I would be reimbursed for my things.Now say i have that same 20k policy and the separate sub polices each appraised at say 1k, 1k, and 3k i would end up reimbursed a total of 25k for their replacements/repairs.I figured this would be a good thread to start for well everyone. Especially college students like me. If you're in America at least, I don't know if this is the same for all countries. I'm not sure how dorms would qualify but I think they do especially if you have a lock cabinet. I know that having safety measures in place and guards against theft like locked cabinets and such and vaults equate to a discount for some.

Hope this is helpful ^_^

 

I have collected Tonner, Fashion Royalty, and other dolls for a few years now and even before I got into BJDs, I always had a very sizable collection of dolls and as such, I took out a State Farm 'Precious Items' policy on them.

Since entered the realm of resin BJDs, I called my agent and proceeded to tell her that I needed my BJDs covered in the event of any kind of loss or damage, even if said loss or damage came at my own hands. I should have expected this, but my agent had no idea what a BJD was or that people bought and sold dolls in this price range. I had gone through this when I first insured my Tonner collection and now again for my BJDs.

I had to take pictures of the dolls and then send links to the websites where they were sold, displaying their retail price and perceived value. I also had to chronicle any after markey artwork done on them which would serve to increase their value. I guess the concept of having a single doll which is worth more than $1000.00 seemed a little incredulous to the agent. Hey some have their ming vases, or rembrants and some of us have our BJD DOLLS what can I say?

Has anyone ever taken out insurance on their dolls? What was your experience like?

 

I wouldn't have thought it was that strange to have dolls insured for a high price - perhaps people aren't aware of BJDs, but there a plenty of other dolls that meet the $1000+ range, especially if you start looking at antique or ooak artist dolls.

My dolls are covered in my general contents insurance (and yes, I did check this when I took the policy out).

 

State Farm...go figure. But I'm glad to hear people insuring their dolls! I work for an insurance company and have insured my dolls. That was the strangest email I'd ever sent my agent. I expected him to think I was crazy and tell me 'no' but he didn't! I do find it strange you had to go through so much to prove the dolls worth, makes sense. My agent didn't ask for anything like that. I just had to provide name, description, and price. I think they did alittle research on their own (I gave them the website) but he's never asked for proof. Mind you, not one doll of mine is over $900. Maybe if I had one that was over $1000 they'd ask for more info.

Very well done! A lot of people assume their BJD collection is covered in their homeowners policy/renters insurance under personal property but many insurance companies put a clause/endorsement in thepolicy with wording that they won't cover "collections". You have to be careful of stuff like that and definitely ask. Good job!

 

Hmmmmmmm It's an interesting question. I thinked about should i insure my dolls or not, cause i'm always on the road and i can't live without my boys XD

Their bag is very massive, but i'm always afraid they could vanish or someone steal them ;___;

They aren't insured jet because i think they are too many to insure every doll. I decided i will insure only the irreplaceable ones. I'm saving for a Volks Williams. I think he will be insured if i can get him.
Okay he is not too irreplaceable but i want to buy him only one time in my life :'D

 

BackStory: My grandmother, mother, and I went to Walmart to do a little grocery shopping. When we got out of the store with all of our purchases we couldn't find my car! D: We were flabbergasted it happened and I was like "WOW my car got stolen lol, wtf?" And then my mother said "And all of your things were in it to."
It was a horrific moment where I remembered I had brought my ladies with me!!!!!! >-< "MY DOOOLLLLSSS!!!!" I had shrieked, attracting the attention of some of the nearer customers. I did not know that my voice could reach that decibel level. T_T A minute or so later we realized we had just exited through the wrong door and got turned around. Needless to say, my grandma and mum started talking about putting them on her insurance.


Straight to the Questions: Have you taken precautions against something terrible happening to your dolls? How would you react/feel if your dolls were collateral damage in some sort of terrible thing happening? D: Could you replace the dolls you have now with new ones if they were?

 

Honestly, the value of my collection should be insured... but I haven't a clue how to do this when proving their market value is an issue.

I've had my entire collection in the trunk of my car when I was rear-ended. They were fine, the car was a bit dismayed.

 

@Girlwholived
Have them market valued shouldn't be to big an issue, if they are SE's then there would still be a site that displayed them, somewhere, with a mention of the original sales value, besides which, in most cases insurance on something collectible, the insurance covers the gap (of orig value versus getting it now)

Also if its a standard doll, then standard market value's would probably apply, weather it could be replaced with an identical version, or another standard version thats available. so you should certainly look into it.

as for myself, i have full contents insurance, and being as how my girlies never leave the house, they should be covered. I'm mostly worried weather or not my travelers insurance will cover them when I go to Japan next year anyone got info on that?

 

i think is thread is gonna get closed i think i amy be wrong anyho when ever i bring my doll out she will be always be in my bag, i wont suggest putting your doll in the car because if its in the afternoon, your car will be very hot inside and your doll may get damaged

 

@GirlWhoLived Eph basically said it but to reiterate, most doll companies, if thats where you bought them from, still keep even sold out dolls up on their website. it would jsut be a matter of tking a screenshot or just direct linking htem to the doll's page with information on what options if any you ordered.

Hmm I have no idea @-@ i think jsut to make sure, you should call your insurance ppeoples and let them tell you all the rates and what's covered and whats not. Other than that I couldnt tell ya ><

They were actually thinking to put them under Renter's insurance but im not sure that actually applies since im not renting so much as dorming.

 

I have a policy with Allstate, which links my Auto and Renters. So if my dolls\items get stolen from my apartment or get damaged in a theft or fire or with water or what not, then they're covered up to a certain amount.

The thing with taking them with you, is to not leave them in the car. If you're going to have a doll with you, carry it with you at all times. That's what I do. I have a carry bag and I keep it with me. It's like a child.

Would you leave a child locked in a car and unattended?

 

This.

Except mine is with State Farm.

And my agent told me outright that my dolls, even if they are LEs, are covered for replacement value. So I would just need to show the price - regardless of the currency.

 

Yeah, I forgot to mention (I was just waking up) that when I talked to the guy that's my agent, he said all I need to show is pictures of the collectibles\items as they are in my apartment. (I would probably still need to prove worth I would think but as long as I can prove that items were taken out of my home, they're covered as 'collectors items'.) The only thing they don't cover is things like one-off vintage antiques (as they aren't able to prove the value of them).

 

There are so many extras that turn your question into right or wrong. Is the child an infant, that can't be left alone? Is the day super hot, with no windows open? Are you leaving them for hours and hours? They all answer with a "No, I would not leave my child unattended." Or is the child old enough to be left alone? Is the child tired, cranky and would rather sleep on the back seat? Are you coming back in half an hour? Or, does your child thinks whatever you're doing is super uncool and "I'd rather stay in the car." They answer with "Yes, they are in a safe place to leave unattended." So many different scenarios, and not all of them end up with pointing fingers at 'bad' parents.

If you're desperate to use an analogy, why not choose one that's not a living sentient being? You can't abuse a doll, or murder a doll. There are no laws in place to protect dolls from being locked in a car, after all

I see it as leaving your laptop in the car, or a phone. Keep it out of sight, out of mind, and thieves won't see a reason to break into your car. If the actual car was stolen... I'd have bigger things on my mind... like my car stolen. Definitely a reason to get insurance!

 

Basically it breaks down to...

Society is filled with people who don't have the best intentions. So don't tempt them. They don't care whether or not it's a hot day or if your kids or bored or if you're just going to be an hour.

Look. Kids. Unattended. Pedophile bait. End of story. Doesn't matter how good of a parent you think you are. You never leave your child in a car unattended. Ever. There are so many stories of, "I just turned around for a minute" and "I just went into the store for fifteen minutes" and "I was just going to pick up a few things and he was tired and I didn't want to-".

If you don't want to compare dolls to children...

People are going to see you cover things up. Or, if you already have things covered up, they're going to thing, "Huh, I wonder what they have covered up there. Probably something good, because THEY HAVE IT COVERED UP".

They're criminals. It's what they do. It takes five minutes at most to hit a window, dig, grab good things, and run. And people don't always steal high dollar items. They steal food and toys, too, as the Christmas season nears because they can't afford them.

So it breaks down to: "If you don't want it stolen, don't put it in a position to be stolen".

 

no never thought about that :S sorry