David
Arlington,#2Consumer Suggestion
Fri, January 20, 2006
i don't think that even if it did cover your theft loss, it would have covered the full $2000. our Allstate policy only covers a certain amount of jewelry, guns, watches, etc... if the estimate of your total personal property coverage was $100,000. it doesn't mean that if you have $50,000 in jewelry that it would cover it all within that $100,000. i know that if you have professional equipment in the house, ie. you're a musician with expensive equipment...you'd have to buy addtional coverage. the base policy has limits. sounds like that $200 was after a deductible which could've been $250-1000. you were not clear about this. because there definitely was a deductible.
Vanessa
Buckeye,#3Consumer Suggestion
Wed, July 14, 2004
Every insurance agent is required to carry an "Errors & Omissions" Insurance policy. This provides coverage if the agent fails to tell you something necessary or tells you something incorrectly. If you can document that your agent told you the garage would be covered, I would file a claim under that policy. Your agent never has the final say when it comes to what is covered and what is not. That interpretation is up to the claims adjustor. If you're agent was unsure if there was coverage for your garage, he should've referred you to the Claims Dept. Once he told you it was covered, I would think the company would've been bound to that. ALWAYS GET EVERYTHING IN WRITING or make the agent give you a copy of the policy that shows you exactly what is covered.