Insuring Your CP Collection

[NatchGreyes]

Hey Everyone:

After hearing about Dean Cook's and Tony's losses this winter, I decided to contact my insurance agent (Allstate) and see if it was possible to cover my plants/if they were covered by my standard renter's policy if there was a power loss that resulted in the death of some of my collection. It turns out that neither they (nor any other United States company, to their knowledge) covers such a loss or allows for a rider to cover such a loss.

I thought I'd share since I put those people through so much trouble to find out the answer for me (and gave them an early contender for weirdest question of the year).

-N

 

[Jcal]

I'm an liscensed agent for a major insurance company and you are correct. There is no such coverage, nor is there a loop hole that I have found yet. Anything living is usually excluded. Animals and plants are hard to place a value on.

Business policies are different.

Lloyd's of London is a company that insures the more exotic. Doubt they would bother with collections

I'll check with my underwriters tomorrow. If there any update I will post here.

 

[Odysseus]

...(and gave them an early contender for weirdest question of the year).

Haha, may be.

I find that even in Garden Centers I am met with quizzical looks when I ask for CP specific things. Last week it was all my calls to local Nurseries requesting Coir that "has been through at least three monsoon seasons."

If I even got passed Coir they would usually respond with extended silence about my request for the three monsoon seasons. They just didn't understand that or why I wouldn't want plant food or some conditioners in my Coir. Or as they wanted to call it, Coconut bricks.