08-10-2007, 03:49 AM
Most household or renters insurance policies also cover camping and hobby equipment/gear - up to set limits. And an additional rider can usually be added to cover things that are worth more than that basic limit. But be prepared to list/document the specialty "toys". They really do add up!
A lot of vehicle insurance policies also cover theft/loss of contents from the insured vehicle. Again, with set limits. But some do cover loss when you are "camping". It all depends upon the company and the policy.
The bigger worry these days is personal and/or group liability insurance. Almost all events have their own liability insurance. But many are requiring that any groups or individuals attending also have proof of liability insurance. With all the people and lawyers playing "lawsuit lottery" these days, you really need it.
An even worse trend has become more common with many events. They are now requiring that any group/individual attending must add the event/site as co-insured on their own policy! (as if you and/or your group were covering the whole event with your insurance!) So your own policy would now cover anything that happens at the site or during the event in addition to the policy the site and organizers have! And, surprise surprise, these sites/events are loosing participants and can't understand why! Which then leads to raising fees to cover the same costs - which drives more participants away - which means more money must be raised from fewer people - and fewer public attending because there is less to see - and the vicious cycle goes on and on until the event shuts down. And it all starts by dumping on the participants until they decide to just stay away. Most of the sites/organizers never can comprehend how they killed off their own event - but always go out of their way to blame everybody else. That co-insured scam is just one of the latest quirks.
Insurance - legalized extortion! Pay us to protect you in case anything happens. But we'll only cover you if X, and Y, and Z - and then only if it's the second full moon in the month when no leaves fall off any tree - etc. etc. - until we can weasle out of paying off anything.
Unfortunately, it's all become a ... necessary evil.
The 1870's cowboy/old west club that I belong to got our insurance through a company called Carpenters. But a year or two ago, they got bought out and are now part of the NRA gun club insurance system. So any new policy through them must also meet the NRA affiliated gun club rules/guidelines. Carpenters was a great insurance company that specifically covered hunting/sporting/gun clubs, their ranges, and HISTORICAL REENACTMENT GROUPS. Now there are many many more "hoops" to jump through just to get a policy.
A friend belongs to a 17th century French Marine unit based in Canada. They have their groups insurance policy through Lloyd's of London. Not cheap, but they and all their individual members are covered when they attend any site/event either in Canada or the U.S.
So it goes, in this modern legal society.
Just my humble thoughts to share.
Mike - out in the Hinterlands of NE Iowa
A lot of vehicle insurance policies also cover theft/loss of contents from the insured vehicle. Again, with set limits. But some do cover loss when you are "camping". It all depends upon the company and the policy.
The bigger worry these days is personal and/or group liability insurance. Almost all events have their own liability insurance. But many are requiring that any groups or individuals attending also have proof of liability insurance. With all the people and lawyers playing "lawsuit lottery" these days, you really need it.
An even worse trend has become more common with many events. They are now requiring that any group/individual attending must add the event/site as co-insured on their own policy! (as if you and/or your group were covering the whole event with your insurance!) So your own policy would now cover anything that happens at the site or during the event in addition to the policy the site and organizers have! And, surprise surprise, these sites/events are loosing participants and can't understand why! Which then leads to raising fees to cover the same costs - which drives more participants away - which means more money must be raised from fewer people - and fewer public attending because there is less to see - and the vicious cycle goes on and on until the event shuts down. And it all starts by dumping on the participants until they decide to just stay away. Most of the sites/organizers never can comprehend how they killed off their own event - but always go out of their way to blame everybody else. That co-insured scam is just one of the latest quirks.
Insurance - legalized extortion! Pay us to protect you in case anything happens. But we'll only cover you if X, and Y, and Z - and then only if it's the second full moon in the month when no leaves fall off any tree - etc. etc. - until we can weasle out of paying off anything.
Unfortunately, it's all become a ... necessary evil.
The 1870's cowboy/old west club that I belong to got our insurance through a company called Carpenters. But a year or two ago, they got bought out and are now part of the NRA gun club insurance system. So any new policy through them must also meet the NRA affiliated gun club rules/guidelines. Carpenters was a great insurance company that specifically covered hunting/sporting/gun clubs, their ranges, and HISTORICAL REENACTMENT GROUPS. Now there are many many more "hoops" to jump through just to get a policy.
A friend belongs to a 17th century French Marine unit based in Canada. They have their groups insurance policy through Lloyd's of London. Not cheap, but they and all their individual members are covered when they attend any site/event either in Canada or the U.S.
So it goes, in this modern legal society.
Just my humble thoughts to share.
Mike - out in the Hinterlands of NE Iowa
"Man will never be free until the last king is strangled with the entrails of the last priest."
- Denis Diderot (1713-1784)
- Denis Diderot (1713-1784)
