Does anyone know if cigars are covered under renters insurance? I am with progressive and after being passed on a phone loop for 20 min I could not get a person to tell me. We are leaving Norfolk on Fri if its still a cat 2 and I'm wondering if I should bring them with me. The wife is actually worried about them as well:-)
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Leaving? And miss all the fun?
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I'm thinking... No!:-)
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I thought renters insurance covered anything of value in your home?
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It does, but cigars are evil things in some eyes:-)
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Most renters' insurance has limitations/exceptions for "collectible" items. Every insurer defines it differently, but it usually covers goods that can't be immediately purchased on the open market. If you talk to your insurer and want coverage for rare/HTF cigars, make sure you mention it explicitly.
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:-) I'll put it to the wife that way:-)
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It's renters insurance not LIFE insurance... :-)
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It's a special rider that costs about $16 per $100 for collectibles. I doubt they would insure the cigars.
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I'd drag them along and make sure you fix your insurance when you get home.
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I think I will:-)
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I'll watch 'em for ya Jake til you get back. :-)

:-) :-) :-) :-)
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You should have coverage up to your limit for personal property barring any exclusions or limitations on coverage. I think you would have a very good argument that they are personal property.

Now, I have thought about this before in regards to cigars that are not available on the US market and how(if) that claim should be filed.

If I recall correctly, Blueface is the resident claims manager. Perhaps he'll chime in with a ruling for us.
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Most policies I've had included a clause in all that tiny type limiting cash and consumables to a certain amount.
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:-) So you are saying you have plenty of room in your humidors?
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cat 2. Pffft. That's a sprng rain. :-)

Take them wih you, just to be on tbe safe side.
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Jake your in the Navy your going to miss all the fun...when I lived in Chicago with renters insurance everything in the home was covered but with a depreciated value.
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Not at all...got a box in today and spent 2 hours playing tetris to make her fit. Just saying I'll keep your sticks company. :-) :-)
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The last time I had renters insurance I read every word in the policy. When I got to the end of the policy, it said that they would not pay out on a claim that arises due to thermonuclear detonation.
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:-):-):-)
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