[House] Renters and auto insurance quotes

[Robin Lee Powell]

Summarizing for my own purposes.

On Mon, Jan 30, 2012 at 08:03:07PM -0800, Robin Lee Powell wrote:
> OK, thanks.  I actually prefer the first quote; I just wanted to
> make sure we hadn't missed anything important.  Let's go with the
> first quote ($900/yr, $1k deductibles).
> 
> My two questions still stand, though:
> 
> 1.  What does the $5,000 medical number mean?

Incidental medical stuff like ambulance rides; essentially it's a
"please don't sue"; bodily injury covers actual medical issues.

> 2.  Is it OK if RA claims all of RJ's stuff as hers for purposes of
> contents insurance?

Basically if only RA and I are on the policy, RJ can't file a claim,
but everything in the house is still covered with this particular
insurer.

> In addition, some more questions about the contents insurance:
> 
> We're at the bottom of a very steep hill, which leads to all these
> questions, because some day some part of that hill, or one of the
> very tall trees on it, is coming down:
> 
> 3.  Does it cover floods?

No; getting a separate quote.  It *does* cover water that gets in
due to covered damage, which would be things like a tree falling on
the house, or the dishwasher breaking.

> 4.  Does it cover mudslides?

No, see above.

> 5.  Does it cover earthquake damage?

No, see above.

> 6.  Does it cover a tree falling on the house due to weather or
> random chance or whatever?

Yes, and storm damage.

> If the answer to any of those is "no, but you can pay more for
> that", feel free to re-quote.
> 
> And last:
> 
> 7.  Are there any "gotchas" with regards to security measures or
> similar things?  Like, can the company refuse to pay if we don't
> have the right kind of locks on our doors and there's a theft?,
> that sort of thing.

No, even leaving a door open is OK.

-Robin