ROLEXROLEXROLEXROLEXROLEXROLEXROLEXROLEXROLEXROLEXROLEXROLEX
5 October 2022, 04:47 AM | #31 |
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Many suggest not having a rider on homeowners as its a liability on your policy, could be dropped with a claim etc.
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5 October 2022, 09:06 AM | #32 | |
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Quote:
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5 October 2022, 09:09 AM | #33 |
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I have mine through a personal articles policy bundled with my vehicles insurances through state farm. Covered for the “adjusted for inflation” amount (which is about $800 more than I paid) anywhere in the world due to loss, theft or damage.
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5 October 2022, 12:06 PM | #34 | |
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To all the people including what used to be me, keep in mind if you use your home owners and you file a claim when they re rate you the following year that claim will definitely play a role. Confirmed by my home owners insurance. Maybe for some of you it’s different but not for me. Plus if you escrow your home owners that is less of your monthly going to the principal. Higher home owners. Higher escrow. I dropped every Rolex I had on my owners policy, over 100k, and with the pro rated refund it paid for the new policy with Chubb with money to spare. About $500. So less money, better coverage, longer term, and away from my home owners.
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5 October 2022, 12:39 PM | #35 | |
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Crime has no address.
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5 October 2022, 09:26 PM | #36 |
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I left JM for Hodinkee last year. Hodinkee will actually pay to replace the watches at market value.
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6 October 2022, 04:41 AM | #37 |
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Use Chub or Wax
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6 October 2022, 09:06 AM | #38 |
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I'm not going to read the entire thread, but why didn't you use your home owners insurance?
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7 October 2022, 02:53 AM | #39 |
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Check out Hodinkee by Chubb alternatively for insurance. They specialize in watches, so may be better accommodating.
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7 October 2022, 02:54 AM | #40 |
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7 October 2022, 10:35 PM | #41 |
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Take the Rolex watches off the submission and I would be it gets approved
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11 October 2022, 05:24 AM | #42 |
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Insurance Declined!
JM declined me on a high dollar collection, too. I decided to switch from my homeowner’s rider, because of their insistence on not paying a penny more than appraised value, so the need to be constantly re-appraising the collection.
Switched to Hodinkee/Chubb. Competitive rates, no appraisals below $100k, automatic/electronic appraisals in most cases above $100k, pay up to 150% of insured value. Much better overall experience, IMO. Just found the note from JM: “Thank you for your interest in insuring your jewelry with Jewelers Mutual Group. After careful review of your application, we cannot insure your item(s) at this time. The level of risk to insure your item(s) is too high due to the following criteria: Nature or type of jewelry item(s) you intend to insure” Sent from my iPad using Tapatalk |
12 October 2022, 05:00 AM | #43 |
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I was declined in a very similar situation in 2017. Amazing credit, area, never a single claim for anything, etc. and denied.
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