bigG 0 #1 November 6, 2003 Does anyone know what sort of Insurance will cover skydiving gear against theft, damage or in case you were to loose your main or reserve p/chute after a cut away? If it helps I live in Florida and rent my place. Thanks in advance. G. P.S. I tried searching the forums before posting this. Quote Share this post Link to post Share on other sites
bkdice 0 #2 November 6, 2003 If you have renters insurance, call and ask. I know State Farm will insure your gear if you have them for homeowners insurance. (I've been meaning to call them, dammit.) But, a friend at the DZ has his gear insured, so if he has a cutaway an loses the main, he only has to pay a deductible. Not sure about theft. Edited to add.... Read Scrumpots Post #27 here Quote Share this post Link to post Share on other sites
TheMonkey 0 #3 November 6, 2003 i wish the donkey with the camera taking the picture of your avitar would pan down already!<--sie --------------------- Never argue with an idiot, they will drag you down to their level and beat you with experience! Quote Share this post Link to post Share on other sites
bkdice 0 #4 November 6, 2003 oh please monkey man, like you haven't seen 'em. Quote Share this post Link to post Share on other sites
TheMonkey 0 #5 November 6, 2003 i'm just glad the chest strap on your new rig doesn't cover em up...my bday is coming up, topless tracking dive for the monkey please!!!!! --------------------- Never argue with an idiot, they will drag you down to their level and beat you with experience! Quote Share this post Link to post Share on other sites
TheMonkey 0 #6 November 6, 2003 yo big, just so i don't pull a total horny-hijacking-monkey-trick, my gear is all covered under my renter's insurance policy.... --------------------- Never argue with an idiot, they will drag you down to their level and beat you with experience! Quote Share this post Link to post Share on other sites
flyangel2 2 #7 November 6, 2003 When I rented, I had rental insurance and listed all my rigs on the policy. I now own a house, and I have insurance with all my rigs on the policy. Not to mention all the other expensive play toys I have. If you have rental insurance, I hope you listed it. If not, talk to your agent. You could always lie and say the stuff was in your car and it got stolen. But then that would involve having to file a police report and I wouldn't feel comfortable tell the police a lie. Bad karma.May your trails be crooked, winding, lonesome, dangerous, leading to the most amazing view. May your mountains rise into and above the clouds. - Edward Abbey Quote Share this post Link to post Share on other sites
bigG 0 #8 November 6, 2003 Yeah...I am gona get insurance for sure now. Will they also cover my camera and camera helmet? ...cause that would be the last thing in this world I would ever want to cut away... thanks for info everyone... G. P.S. Any suggestions about which company to go with? State Farm is one..anyother? Quote Share this post Link to post Share on other sites
TheMonkey 0 #9 November 6, 2003 got mine through Allstate, and they did not require me to send them a list of my crap...they ask me to total it all up, and insure the value...it's kind of an 'on your honor' type thing....btw, i pay $100 a year and my camera and camera helmet are covered! --------------------- Never argue with an idiot, they will drag you down to their level and beat you with experience! Quote Share this post Link to post Share on other sites
flyangel2 2 #10 November 6, 2003 QuoteAny suggestions about which company to go with? I have Allstate, and it's not too expensive. It will depend on the size of your place. Be sure to list your expensive items, and take pictures too.May your trails be crooked, winding, lonesome, dangerous, leading to the most amazing view. May your mountains rise into and above the clouds. - Edward Abbey Quote Share this post Link to post Share on other sites
AndyMan 7 #11 November 6, 2003 My renters insurance with Allstate will cover my gear, they've assured me. I have not had it specifically wriiten into the policy. _Am__ You put the fun in "funnel" - craichead. Quote Share this post Link to post Share on other sites
Jimbo 0 #12 November 6, 2003 Does you insurance cover your gear if you lose it during a cutaway or if it is damaged while skydiving, or does the coverage only apply to theft from your apartment/car, fire, etc? - Jim"Like" - The modern day comma Good bye, my friends. You are missed. Quote Share this post Link to post Share on other sites
frost 1 #13 March 17, 2009 Cutaway loss is not covered by renters insurance. There are 16 causes of loss that an insurance company has (mine is some company via Geico). And a cutaway does not fall under any one of them. Stuff like a lightning strike or a steam from the kettle is a good reason. Releasing your malfunctioning main canopy to save your life is not. If you want to have protection for gear loss as a result of a cutaway, MAKE SURE you find out if your company provides it. CLEARLY explain to them what the scenario of a cutaway is and how it goes. Then try to get it in writing. Otherwise, if you think any renters insurance covers gear loss after a cutaway, you will be in for a surprise when you try to file a claim. Quote Share this post Link to post Share on other sites
DrewEckhardt 0 #14 March 17, 2009 QuoteDoes anyone know what sort of Insurance will cover skydiving gear against theft, damage or in case you were to loose your main or reserve p/chute after a cut away? As other people have pointed out, it's a standard thing for renter's and home-owner's insurance. Two caveats to watch out for: 1. Some policies put a limit on "off-premesis coverage" as a percentage of your total contents coverage. IIRC, mine was 10% so I needed to buy $50K worth of coverage to have insurance on $5K of sporting gear outside my home. 2. Standard policies are usually for a depreciated value that may not replace what you lost. You want a replacement value rider. If it helps I live in Florida and rent my place. Thanks in advance. G. P.S. I tried searching the forums before posting this. Quote Share this post Link to post Share on other sites
