The Airline lost my baggage! Will my homeowners or renters policy cover my stuff?

I don’t know why but I’m on a “stuff” kick lately! Last week I wrote about how to take a home inventory of your contents for your home or renters policymom-to-do-list.jpg. I’m still in the process of taking my own home inventory so you’ll want to stay tuned about the experience I am having. It does take some time, so unless you actually dedicate one whole day to figure out what program you are using and enter it all in an app or computer program it’ll take a day or so. My problem is I’m in the middle of packing for a trip, getting a kid ready to start high school, get dinner ready for my family of giants and trying to maintain the household all at the same time. Sound familiar to anyone? I know it is extremely important to have this list so I need to step up my game and get it done. Get with it Val!

the crewThis weekend I’ll be heading out of town for a relaxing weekend with my best friends from high school! The four of us have kept in touch through the years and have gone through; out of state moves, weddings, and babies, and have seen each other at those happy occasions.  BUT, we haven’t really gotten to spend quality time together since we were home for break in college. palm springs weather.PNGWe’ve rented a house down in Palm Springs or as my husband likes to call it Palm 39, for the weekend. Which I just checked the weather by the way, and it’s going to be 109 down there!!! Why would I leave the 107 heat we had last week to go to another town that remains in triple digits??  I’m still asking myself this, but the house we rented has a pool and AC so we will be just fine. The point is to hang out with each other and continue to build on the relationships we have made through the course of our lives. I for one am pretty excited to see my friends!

Whenever us women go out of town a great deal of planning is involved. I know for me, I have to make lists for myself of what to pack, what to buy etc but also to make sure my boys are taken care of at home with food and also that my doggies have enough food so they won’t have to go to the store for any reason.The-25-Best-Travel-Memes-22 There are other things I have to plan for such as making sure my son is able to get to and from school the days that I’m gone, and then any sporting clinics, practices, tryouts etc have to be figured out too. This week also happens to be the first week of school so I’ve got to make sure he has his books, new clothes and all of the other stuff together he needs to start school. Starting high school is expensive! As you can see from the caption, men have it much easier when it comes to prepping for a trip!

After I get out of the house, the last thing that I want to deal with is lost luggage at the airport. Who wants to deal with that? Not me! I haven’t actually had this happen to me (knock on wood) but it’s happened to numerous friends and family members. What a big stink! Just the thought of getting off the plane and then not seeing your bag circle baggage claim is terrifying to me. Not just because you don’t have your stuff but because now you are stuck not knowing where it is or when you will get it back, and now you don’t have clothes or makeup, heaven forbid!girls packing problems Not that I would need makeup in Palm Springs this weekend, it would melt right off my face! But, I would feel totally helpless. I also hate flying so any other stressor on top of hating to fly would not be good. I know some of you may say, just carry on! I have never been a good packer so I have never been able to fit all of my stuff in those little suit cases to carry on the plane. I need to have clothing options people!

girls packing.jpg Hopefully the airline will recover your bag and deliver it to you in a timely manner but some times they don’t and it’s never recovered. Did you know your homeowners or renters policy may cover the cost of your lost items. Your personal property aka “your stuff” is covered anywhere in the world. So the companies may pay for your lost items. The companies do not pay for the time or man power to recover the items but they will pay for your belongings – IF you have a homeowners or renters policy and IF those policies are active and the contents lost are within your policy limits. Again, every loss is investigated and up to the insurance company, but your contents are covered anywhere in the world and the loss would be subject to your deductible. So if your homeowners deductible is $1000 and the contents that were lost total out to $500 then you would have to replace those items yourself.

If you are planning on taking some items that are higher in value you may want to make sure they are specifically listed or “scheduled” on your policy. A homeowners policy or renters policy has set limits built into your policy for jewelry as a whole which typically start at $1500 for all of the jewelry you own. If your wedding ring or a watch (for you men reading this) is $5,000 and you do not have the ring or watch listed to it’s value and your ring or watch is lost or stolen at the airport then the company will only pay out $1,500 and again it is subject to your deductible. If that $5,000 ring or watch was listed to value then many companies would replace the lost or stolen item without a deductible.

knowlege is powerPrepare yourself as much as possible, and when you do that you’ll have a lot more peace of mind when you travel. I know I do! Knowledge is Power! If you have an upcoming trip and have questions about scheduling items to value, or changing your deductible give us a call. Remember if you are scheduling a specific item there will be required documents from the company such as photos, and a current appraisal or receipt if you just purchased the item. Give yourself enough time before you leave if you are adding additional coverage.  If you have questions about a situation like this it is always a good idea to give us a call and talk about it.

The more you know, the better protected you’ll feel. You’ll have the peace of mind knowing you are protected. NEVER ASSUME! The insurance is in place to protect you from financial hardship. So if you are a constant traveler or just a weekend traveler and have worried about lost or stolen luggage give us a call and talk to us about it. You may find you’d like to lower your deductible or increase your deductible, or you may end up deciding you shouldn’t take specific items on your trip. For me, this weekend includes hanging out by the pool with my best friends so I’m just packing swim suits, sunscreen and maybe a giant flamingo floatie I got on amazon for the pool! Why not!?

American Diversified Insurance Services, Inc

A: 201 Natoma St Folsom, CA 95630

P: (916)985-7500 F: (916)985-7302 T: (916)389-1820

E: info@amerdiv.com W: www.amerdiv.com

AD Logo CMKY

 

 

 

Advertisements

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s