I got the same screw from State Farm. Out of $2000 in contents on the
boat, my dad and I made the mistake of telling them half was mine and half
was his. They said contents were covered under home owner's policies. They
then applied his $1000 deductible, and my $500 deductible, and depreciated
the remaining $500 to $167.

I'm now with Boat US cause they ask the value of the contents up front.
It's covered under the boat policy rather than my homeowners.


"Capt Frank Hopkins" wrote in message
hlink.net...
Hi All,
After a throughly incompetent investigation by the local constabulary, I
took the list of missing items to the insurance comapny. Here are the
results:

Generator: 2 years old, depreciated 60% Cost 1900.00
Paid 900.00
GPS 18 Months Old. depreciated 12% Cost 799.00
703.12
GPS Cartographic chip not covered Cost 125.00
Fishing Poles not covered Cost
90.00
Binox depreciated %75 Cost 299.00
99.60
tools not covered Cost
159.00
Magnagrille not covered Cost
179.00
Magnagrille mount not covered Cost 45.00
TV-DVD player Depreciated 75% Cost 399.00
99.75

Total Loss
3995.00 Insurance Payment 1802.47

Net Loss 2192.53

Moral, Check your insurance policy to determine what is covered and what
is
not!