Is your doll insured?

Mine are not insured yet, but I'm getting a homeowners policy that will cover collectables. I just need to provide photos (no problem there!) and reciepts... I have a special folder in my email inbox just for doll orders, so even if the paper reciepts are destroyed, I have an electronic back up. Also, some credit cards have purchase protection plans that function like insurance on expensive items, but I'm not totally sure how that works.

 

I've talked with the good people that provide our renters insurance and they found a way to insure my dolls. They are being classified as art objects and they are covered no matter what, even breakage by my own stupidity.

With a zero dollar deductable, it's going to cost us 1% of their replacement value per year, a very worthy investment in my opinion.

 

You can actually do that?! 0_0 Wow!

 

I plan on insuring my dolls and all their things since they're all incredibly expensive items. Overall they're worth more than most used cars, so if I've got to insure that, it only makes sense.

 

I should most definitely get insurance for them. I always think about like what if something happened to them, but I never really came out with a conclusion of what to do.

 

Yikes. You start thinking about all this and you could almost scare someone out of getting a doll. Almost ~.^

The What If's aren't things I want to think about. Erg. But alas at some point I must. More so with the sketchy things that seem to go on the more you live in apartment complexes. Ah well.

It is neat that you can do that though! And awesome cause. Yeah the money I'm bound to dump into this hobby... My debit card is already writing its will XD

 

My dolls, as well as any doll head that might be here that I'm painting/customizing, is covered by my renters insurance.

 

Yes, they have their own policy - largely as the company we insure the house and general contents with offers great rates for art collections of value. The agent who valuated the family seemed to know the score and understood the value of FCS dolls over standard lines, face-ups, limited editions and so forth.

After we lost Magical Michael a couple of years back, theft/damage has really been praying on our minds of late.

 

with the latest addition to my doll family, i've been wanting to get insurance for either a specific doll or for my whole doll family but i don't know how to get coverage. O_o; i know that insurance companies offer a homeowner's insurance which covers objects that reside within the dwelling and other companies offer tailored insurance policies that are specifically for artwork. for some individual policies, one needs to get an artwork appraised before it is insured. i honestly don't know how appraisals work and how to get items appraised. i'm so confused... @___@;

has anyone considered insuring their dolls or already have them insured? how do you get your dolls appraised? would it be worthwhile to insure your dolls? what do you all think?

 

It really depends on what sort of contents insurance you have (Homeowners insurance tends to be for the building itself, not the contents). I have insurance for example, that covers contents up to £50,000 and I don't need to specify any particular item unelss it has a value over £2000. So; technically my dolls are insured under the contents.

This probably counts for about 99% of insurances so I wouldn't worry about it too much. You only really need separate insurance for things with enormous values. Just make sure you keep photographs of each doll to atleast prove which one it was. However, should the worst come to the worst and every single thing in your house be destroyed, the insurance company would just give you a cheque for £50000 and it would be up to you to rebuy all your things; they wouldn't stipulate what you could or couldn't buy. If it was for a damaged doll, you would have to consider your excess. If the excess is £100 and the doll has a chipped finger- it would be cheaper to get a replacement hand off the company rather than claiming on the insurance. If the doll is stolen then it'd be up to you to claim for theft.

 

My dolls are insured under my homeowner's policy. They fall into the collectible art category. My insurance company asked what they were worth and they are now insured for their total cost. I had to take pictures of all my dolls (no problem there!) and keep copies of receipts & certificates of authinticity.

 

I think we had a fairly lengthy thread on dollie insurance before if you'd like to hunt it down - search on "insurance" or "insured" and that should bring it up. Might be some suggestions in there.
I am looking at American Collectors' Insurance as they will do several of your collections but I wonder if anyone has any info on how easy it is to get paid on a claim.

 

this is interesting. i don't have any home insurance right now, but i know i should really get some. i guess my BJDs would be covered by it...?

 

we have almost 1000 dolls in my house.(only 15 bjd) the value of which could buy a house. a few worth several grand for being such old antiques.

i go through a catalog every doll in the house every 4 years. with pictures and list of what each is and price we paid and the price it's worth. all put onto a cd and stored in a safety deposit box. another copy sent to the insurance company.

the dolls are on their own policy. seperate even from just the standard home contents.

if our house ever burnt down, we could buy 2 houses with the insurance. as many as me and my mother have, we'd be stupid not to have them on a seperate insurance plan.

 

I've thought about it. I'll probably look into it, it is a good idea.

 

Second this. Unless I declare them to my insurance company, they simply fall into the pool of "stuff I'd have to replace". However, I do have the option of declaring things like pieces of art. I have family members that did similar things (artwork, pianos, collections, etc). It accomplishes two things: 1) it adds to a verified list of things you lost and 2) it adds to the amount of the insurance.

I don't mind lumping them in with everything else, though I can certainly understand people insuring them on their own (like kuraiangels).

 

Ours are covered under our house contents insurance. None of them individually liasted on it as we only have to do that for individual items above a certain value- and none of our dolls are.

Teddy

 

I dont know if my dolls may be covered with an insurace...
But if (for example) they are burned to ash no money of the world could replace them for me!
I even would not buy me new ones, if I would got the insurance-money for them.
It's like my dog would die - you can not simply buy a new one.

 

No. But now that I've seen this thread it is definitely something I'm going to look into.

 

Wow I'd never thought about insuring a doll collection! I have insurance/warranties on several camera equipment items, but I'd never thought of dolls. I suppose if mine keeps growing I might have to!