01-13-2016, 07:08 PM
#1
  • kav
  • Banned
  • east of the sun,west of the moon
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I was looking at some members incredible collections and posted this question. I thought a separate thread would be apropos. Some of us have a goodly amount of investment. I thought ( hopefully never) what if one of us came home to a sulfer and smoke filled crater, floodwaters or tornado spinning off in the distance where our shave den once enjoyed tranquility.
Have you talked with your insurance company, made an inventory with values,receipts etc? I wasn't sure where to post this; brushes are so $ and
loved like a child's stuffed animal I started here.

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 01-13-2016, 07:16 PM
#2
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Ha, thankfully I am nowhere that type of investment, but I do envy those that do!

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 01-13-2016, 07:19 PM
#3
  • ben74
  • Senior Member
  • Perth, Australia
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Camera - insured.

Wife's jewellery - insured.

Shaving brushes... not insured.

There are specialist insurers for car enthusiasts etc, not quite sure there's a big enough market for wet shaving enthusiasts. 

Outside the forums I rarely discuss my shaving brush collection as I'm sure I'd be met with ridicule.

It's certainly worth considering though...

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 01-13-2016, 07:22 PM
#4
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If you keep your receipts, and you lose youre collection up in smoke, would it not be covered under homeowners insurance?

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 01-13-2016, 07:34 PM
#5
  • ben74
  • Senior Member
  • Perth, Australia
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(01-13-2016, 07:22 PM)DamnitGoose Wrote: If you keep your receipts, and you lose youre collection up in smoke, would it not be covered under homeowners insurance?

In Australia, there is a cap on the value of certain items and a cap on the total value claimed for one type of item. For example, watches. The individual cap might be $1000 per watch, with a total of $5000 for watches and jewellery. To overcome this, you are required to insure individual pieces if the exceed the individual or total value caps, which of course catapults insurance premiums.

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 01-13-2016, 07:37 PM
#6
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If I ever get to the point where I start considering insurance for my shaving products, A. I need help and must stop immediately, and B. I'll be dead through SWMBO intervention.

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 01-13-2016, 07:58 PM
#7
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Interesting idea and I've wondered the same from time to time. Certainly worth a thought for those with collections in the thousands.


~Jesse~

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 01-13-2016, 08:03 PM
#8
  • Wrathen
  • Senior Member
  • Gulf Breeze, FL
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I'm sure there is some insurance writer out there you could find for collectible that were insure a collect but no clue how the premium would be


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 01-13-2016, 08:43 PM
#9
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I pay to cover extra items in my home. Guns jewelry handbags and yes shaving stuff

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 01-13-2016, 08:46 PM
#10
  • ben74
  • Senior Member
  • Perth, Australia
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(01-13-2016, 08:43 PM)SimpsonLover Wrote: I pay to cover extra items in my home. Guns jewelry handbags and yes shaving stuff

Well done! 

I understand it's all business, but I'd be interested to know the insurer's reaction to shaving items.

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 01-13-2016, 09:00 PM
#11
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(01-13-2016, 08:43 PM)SimpsonLover Wrote: I pay to cover extra items in my home. Guns jewelry handbags and yes shaving stuff

Do you have to specifically itemize/mention the shaving items?

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 01-13-2016, 09:00 PM
#12
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Good thread. Definitely insurable to me.

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 01-13-2016, 09:29 PM
#13
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If anything ever happened to my brush collection I would need one of those Men in Black wands to wipe my memory and make me forget I ever had any.

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 01-13-2016, 09:34 PM
#14
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(01-13-2016, 09:29 PM)NSmalls Wrote: If anything ever happened to my brush collection I would need one of those Men in Black wands to wipe my memory and make me forget I ever had any.
hahaa

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 01-13-2016, 09:37 PM
#15
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(01-13-2016, 08:46 PM)ben74 Wrote:
(01-13-2016, 08:43 PM)SimpsonLover Wrote: I pay to cover extra items in my home. Guns jewelry handbags and yes shaving stuff

Well done! 

I understand it's all business, but I'd be interested to know the insurer's reaction to shaving items.
I just pay based on the amount i need if i have 10g in valuables then i get insured for that much extra. Shaving goes under what the consider collectibles. If it all goes up then i get 10g to replace.

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 01-13-2016, 09:38 PM
#16
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(01-13-2016, 09:37 PM)SimpsonLover Wrote:
(01-13-2016, 08:46 PM)ben74 Wrote:
(01-13-2016, 08:43 PM)SimpsonLover Wrote: I pay to cover extra items in my home. Guns jewelry handbags and yes shaving stuff

Well done! 

I understand it's all business, but I'd be interested to know the insurer's reaction to shaving items.
I just pay based on the amount i need if i have 10g in valuables then i get insured for that much extra. Shaving goes under what the consider collectibles. If it all goes up then i get 10g to replace.
This seems like a smart approach. I'll need to talk to my insurance folks.

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 01-13-2016, 09:43 PM
#17
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(01-13-2016, 09:38 PM)NeoXerxes Wrote:
(01-13-2016, 09:37 PM)SimpsonLover Wrote:
(01-13-2016, 08:46 PM)ben74 Wrote: Well done! 

I understand it's all business, but I'd be interested to know the insurer's reaction to shaving items.
I just pay based on the amount i need if i have 10g in valuables then i get insured for that much extra. Shaving goes under what the consider collectibles. If it all goes up then i get 10g to replace.
This seems like a smart approach. I'll need to talk to my insurance folks.
Ya it like an add on. I have a condo so i pay to replace whats inside. So i can pay 200 a year for basic replacement. Cabinets floors carpet etc. It also covers like the tv and couch. Then i can pay to cover whatever else. Clothes, video games, wifes 100 shoes or my 100 shaving items lol

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 01-13-2016, 09:49 PM
#18
  • ben74
  • Senior Member
  • Perth, Australia
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(01-13-2016, 09:37 PM)SimpsonLover Wrote:
(01-13-2016, 08:46 PM)ben74 Wrote:
(01-13-2016, 08:43 PM)SimpsonLover Wrote: I pay to cover extra items in my home. Guns jewelry handbags and yes shaving stuff

Well done! 

I understand it's all business, but I'd be interested to know the insurer's reaction to shaving items.
I just pay based on the amount i need if i have 10g in valuables then i get insured for that much extra. Shaving goes under what the consider collectibles. If it all goes up then i get 10g to replace.

Makes sense. Might look into it. I'd be devastated if I lost it all, but I'd be infinitely more worried about losing photographs of the children etc - the things that can't be replaced.

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 01-13-2016, 09:52 PM
#19
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(01-13-2016, 09:49 PM)ben74 Wrote:
(01-13-2016, 09:37 PM)SimpsonLover Wrote:
(01-13-2016, 08:46 PM)ben74 Wrote: Well done! 

I understand it's all business, but I'd be interested to know the insurer's reaction to shaving items.
I just pay based on the amount i need if i have 10g in valuables then i get insured for that much extra. Shaving goes under what the consider collectibles. If it all goes up then i get 10g to replace.

Makes sense. Might look into it. I'd be devastated if I lost it all, but I'd be infinitely more worried about losing photographs of the children etc - the things that can't be replaced.

Bah. My discontinued Rooney can't be replaced. My 2013 batch of Creed Aventus can't be replaced. Photos of the kids can be replaced. Hell, kids can be replaced. I can always have more kids.

... I should never have kids.  Hmm

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 01-14-2016, 12:59 AM
#20
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...quicksand here, fellows. please don't be carried away Thumbsup

i had certain kinds of animals worth in the 6 figure. i asked a colleague owning a large zoo for insurance advice, and he simply said it was not worth it: you pay approx 10% of the value each year, so before 10 years have passed and no danger happens you have given out your money for nothing. better then to save/invest 10% each year of the items value; after 10 years you'll probably still have your possessions + what you saved/invested will be yours. win-win or loose-win Wink

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